Payday Loans in Jerry City, Ohio

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

Company nameAddressZip codePhone number
Huntington Bank 209 Seneca Ave, Byesville, OH 43723 +1 (740) 685 - 2563
Cashland 645 W 2nd St, Xenia, OH 45385 +1 (937) 374 - 2738
First Financial Bank 300 High St, Hamilton, OH 45011 +1 (513) 867 - 4720
Valley Payroll Advance 804 E Main St, Barnesville, OH 43713 +1 (740) 425 - 2200
Fifth Third Bank & ATM 2300 W Michigan St, Sidney, OH 45365 +1 (937) 498 - 2237
Farm Credit Mid-America 1625 E 5th St, Delphos, OH 45833 +1 (419) 695 - 6000
AgCredit, ACA 3113 OH-98, Bucyrus, OH 44820 +1 (419) 562 - 7926
FCBank 250 W Sandusky St, Fredericktown, OH 43019 +1 (740) 694 - 2010
Huntington Bank 3805 E Harbor Rd, Port Clinton, OH 43452 +1 (419) 734 - 5554
Loanmax Title Loans 1595 N Bridge St, Chillicothe, OH 45601 +1 (740) 571 - 4570

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jerry City, OH, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Findlay, OH, Payday Loans in Grove City, OH, No Credit Check Loans in Hamilton, OH, Payday Loans in Hilliard, OH, Guaranteed Loans in Lakewood, OH, Payday Loans in Lancaster, OH, Payday Loans in Lima, OH and Payday Loan Companies in Lorain, 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 Jerry City, OH.

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

43437

Are Payday Loans Legal In Jerry City, 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 Jerry City, 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 Jerry City, Ohio. There's a default limit of $1,000 in Jerry City, 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

Jerry City, OH payday loan calculator

Advise to read before applying

The Ultimate Guide to Payday Loans in Jerry City, Ohio

If you’re living in Jerry City and need cash urgently, payday loans may be a helpful option. Payday loans are short-term, high-interest loans that can help you cover unexpected expenses before your next paycheck.

What are payday loans?

Payday loans, also known as cash advances, are loans that have to be paid back within a short period, typically two weeks or on your next payday. Payday loans are usually granted without the need for collateral, making them an attractive option for people with low credit scores or those who don’t have assets to secure a loan.

While payday loans can be a way to access cash quickly, they also come with high-interest rates. Therefore, they should only be used for urgent expenses and paid back as soon as possible.

Are payday loans legal in Jerry City, Ohio?

Payday loans are legal in Ohio, but they are subject to strict regulations intended to protect borrowers. In Ohio, payday loans can be granted for up to $1,000, and the annual interest rate is capped at 28%. Additionally, lenders have to obtain a license from the Ohio Department of Commerce to operate within the state.

How to apply for a payday loan in Jerry City, Ohio?

Applying for a payday loan in Jerry City is relatively simple. Most lenders will require that you have a job, a bank account, and a government-issued ID. Additionally, you must be at least 18 years old to qualify for a payday loan.

You can either apply in person at a storefront or online. If you choose to apply online, you’ll need to provide your personal and financial information on the lender’s website. The lender will then assess your application and issue a loan decision.

Benefits and drawbacks of payday loans

Payday loans can be a quick way to access cash when you really need it. They don’t require collateral or a sterling credit score, and the funds are usually available within one business day. However, payday loans come with a few drawbacks that you should consider before taking out a loan.

Firstly, payday loans come with high-interest rates, which can make repayment challenging. The annual interest rate for payday loans in Ohio is capped at 28%, but that still amounts to $28 in interest for every $100 borrowed.

Secondly, payday loans have short repayment terms. In Ohio, payday loans are generally issued for two weeks, which can make it difficult to pay back the loan in full.

Lastly, if you fail to pay back the loan on time, it can quickly accumulate late fees and penalties, which can lead to a debt spiral that is hard to escape from.

Interesting facts and statistics about payday loans in Jerry City, Ohio

  • Ohio has one of the highest payday loan usage rates in the country, with around 11% of the state’s population borrowing from payday lenders each year.
  • In 2019, 590,656 payday loans were approved in Ohio, amounting to a total loan volume of $217 million.
  • Predatory payday lending costs Ohioans over $500 million annually in abusive fees and interest.
  • The average payday loan amount in Ohio is $350.

Apply Now with TheGuaranteedLoans

If you need cash urgently, TheGuaranteedLoans can help you connect with potential lenders in Jerry City, Ohio, who may be able to offer you a payday loan. We are a connector service, not a direct lender, and we’re dedicated to helping you find the loan solution that’s right for you.

Applying through TheGuaranteedLoans is easy. Simply visit our website, fill out the online application, and we’ll match you with potential lenders who may be able to help. Our process is fast, secure, and designed to help you access the cash you need when you really need it.

Conclusion

Payday loans can be a helpful source of funding when you’re in urgent need of cash. However, they should only be used for short-term expenses and paid back as soon as possible. If you’re considering taking out a payday loan in Jerry City, make sure to shop around, read the terms of the loan agreement carefully, and never borrow more than you can afford to repay.

F.A.Q.

What is a payday loan in Jerry City, Ohio?

A payday loan is a short-term loan that is typically used to cover unexpected expenses or financial emergencies. These loans are typically for small amounts of money, and are repaid on the borrower's next payday.

Are payday loans legal in Jerry City, Ohio?

Yes, payday loans are legal in Jerry City, Ohio. However, there are certain regulations that must be followed by lenders, including a maximum loan amount of $1,000 and a maximum loan term of 31 days.

Look for Short-Term Loans in Other Cities:

Akron Bowling Green Brunswick Canton Chillicothe Cincinnati Cleveland Columbus Cuyahoga Falls Dayton Delaware Dublin Elyria Euclid Fairborn Fairfield Findlay Grove City Hamilton Hilliard Lakewood Lancaster Lima Lorain Mansfield Marion Mason Massillon Mentor Middletown Newark North Olmsted North Ridgeville North Royalton Reynoldsburg Springfield Stow Strongsville Toledo Warren West Chester Westerville Westlake Youngstown
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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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