Payday Loans in Jeromesville, Ohio

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No payday loan companies in Jeromesville, OH. Consider companies in other cities:

Company nameAddressZip codePhone number
Minster Bank - New Bremen Office 443 S Washington St, New Bremen, OH 45869 +1 (419) 629 - 2611
PNC Mortgage 10 W 2nd St, Ashland, OH 44805 +1 (419) 289 - 4803
Advance America 836 S Main St, Bowling Green, OH 43402 +1 (419) 353 - 9111
The First National Bank 100-198, OH-28, Blanchester, OH 45107 +1 (937) 783 - 2451
National Cash Advance 3490 Hudson Dr #4, Stow, OH 44224 +1 (330) 686 - 0770
City National Bank 201 State St, Proctorville, OH 45669 +1 (740) 886 - 1600
Loudon Township Seneca County 9970 W Township Rd 112, Fostoria, OH 44830 +1 (419) 937 - 1332
Advance America 634 Plaza Dr Suite 3, Fostoria, OH 44830 +1 (419) 436 - 0290
Ameriprise Financial Services, Inc. 5217 Monroe St, Toledo, OH 43623 +1 (419) 842 - 8488
check n go, Check n Go Store Directory 3109 Navarre Ave B, Oregon, OH 43616 +1 (419) 698 - 4876

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jeromesville, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cuyahoga Falls, OH, Bad Credit Loans in Dayton, OH, Bad Credit Loans in Delaware, OH, Online Loans in Dublin, OH, Payday Loans in Elyria, OH, Payday Loans in Euclid, OH, Online Loans in Fairborn, OH and Payday Loans in Fairfield, OH. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Jeromesville, OH.

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Payday Loans Available in Jeromesville, OH By The Following ZIP Codes:

44840

Are Payday Loans Legal In Jeromesville, Ohio?

Loan Rates and Fees, Laws and Regulations in Ohio.

One good thing with these loans is that they give borrowers time to get back on their feet: while the states allow taking out payday loans for longtime periods, the lenders try not to let their customers pay them more than once. That way, they can avoid losing their money. Usually, you should contact the lender with a new request after avoiding using a loan for 6-12 months. What are the advantages of taking out payday loans? If you're in need of urgent funds to pay for an important expense, these can come as a life-saver: you get money to solve your problems quickly and easily (taking into consideration your location).

What's payday lending in Jeromesville, Ohio? A payday lending institution offers private short-term unsecured loans. You are expected to repay the loan amount along with finance charges within no longer than 365. In other words, you have a job that guarantees you regular income at least monthly, or some stable investment income (if it's greater than interest rate for payday loans) and simple financial status (no overdrafts or unpaid bills). To make sure that you repay your loans on time and lack no essential expenditures, try cutting down non-necessary expenses and save up some money before taking out such financial contracts. Take into consideration your financial situation while choosing one: make sure that there's no other way to come by urgent money and avoid borrowing too much by taking out several payday loans.

Payday lending is legal in Jeromesville, Ohio. There's a default limit of $1,000 in Jeromesville, Ohio, so take out several payday loans if needed. The maximum finance charges are 28% per annum (APR).

Ohio Loan Regulations

Legal StatusLegal (at a low cost)
Interest Rate (APR, %)28
Maximum Loan Amount$1,000
Minimum Loan Term91 days
Maximum Loan Term1 year
Number of Rollovers Allowed0
Finance Charges0.28

Jeromesville, OH payday loan calculator

Advise to read before applying

Payday Loans in Jeromesville, Ohio: Everything You Need to Know

Life can be unpredictable, and sometimes unexpected expenses pop up. Whether it’s a medical emergency, car repairs, or a sudden job loss, circumstances can leave you strapped for cash. When you need extra funds to cover your bills, a payday loan can seem like a helpful short-term solution. In Jeromesville, Ohio, payday loans are legal at a reasonable cost.

What is a Payday Loan?

A payday loan is a small, short-term loan that is designed to help you cover your expenses until your next payday. Also known as a cash advance or paycheck advance, payday loans are typically due in full on your next payday. These loans can be obtained quickly and easily, often without a credit check, making them an attractive option for people in need of immediate cash.

How do Payday Loans Work in Jeromesville, Ohio?

In Ohio, payday loans are legal and regulated by state law. The Ohio Department of Commerce’s Division of Financial Institutions is responsible for overseeing these loans and ensuring that lenders comply with all applicable laws and regulations.

To obtain a payday loan in Jeromesville, Ohio, you must have a valid ID, proof of income, and a checking account. You will be required to sign a contract with the lender that outlines the loan terms, including the amount borrowed, the interest rate, and the due date. The maximum amount you can borrow in Ohio is $1,000, and the loan term cannot exceed six months.

What are the Costs of a Payday Loan in Jeromesville, Ohio?

The cost of a payday loan in Ohio is regulated by state law to protect consumers from excessive fees and interest rates. The interest rate for payday loans in Ohio cannot exceed 28% annual percentage rate (APR), and lenders are prohibited from charging prepayment penalties.

In addition to interest, payday lenders in Ohio may charge other fees, such as a finance charge or origination fee. The total cost of the loan, including all fees and interest, must be disclosed to you in writing before you sign the loan agreement.

What are the Risks of Payday Loans?

While payday loans can be a helpful short-term solution for people in need of immediate cash, they can also be risky. High interest rates and fees can make it difficult to repay the loan on time, leading to even more financial stress and debt.

If you are unable to repay the loan on time, you may be subject to additional fees and penalties, and your credit score could be negatively impacted. Defaulting on a payday loan can also result in legal action and wage garnishment.

Interesting Facts and Statistics about Payday Loans in Jeromesville, Ohio

  • According to the Pew Charitable Trusts, 1 in 10 Ohioans has taken out a payday loan.
  • The average payday loan in Ohio is $332, and the average borrower pays $380 in interest and fees over the course of five months.
  • Between 2009 and 2019, Ohioans paid more than $502 million in fees and interest on payday loans.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can leave you in a tough spot. That’s why we offer a simple and easy online application process to connect you with potential lenders that can help you get the cash you need.

Our service is designed to match you with lenders that meet your unique needs and financial situation, making it easy to find the right loan for you. We are a connector service, not a direct lender, meaning that we do not make credit decisions or lend money directly.

If you’re ready to apply for a payday loan in Jeromesville, Ohio, simply fill out our online application form today. Get started and get the cash you need to cover your expenses until your next payday!

F.A.Q.

Can I get a payday loan in Jeromesville, Ohio if I am a student?

Yes, students can get a payday loan in Jeromesville, Ohio as long as they meet the lender's eligibility requirements and can provide proof of income.

Can I get a payday loan in Jeromesville, Ohio if I do not have a bank account?

Yes, some payday lenders in Jeromesville, Ohio may offer alternative repayment methods, such as prepaid debit cards or money orders, for borrowers without a bank account. However, these options may come with additional fees. It is important to discuss your options with the lender before taking out a loan.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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