Payday Loans in Kelleys Island, Ohio

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

Company nameAddressZip codePhone number
Eagle Loan 714 N Memorial Dr, Lancaster, OH 43130 +1 (740) 994 - 0460
Advance America 1170 S Shannon St, Van Wert, OH 45891 +1 (419) 238 - 0375
Donnelley Financial Solutions 1300 E 9th St 1200, Cleveland, OH 44114 +1 (216) 621 - 8384
Regency Finance 8144 Beechmont Ave, Cincinnati, OH 45255
KeyBank 120 N Detroit St, Xenia, OH 45385 +1 (937) 372 - 8035
Wayne County National Bank 806 E Bowman St, Wooster, OH 44691 +1 (330) 264 - 8812
Chase Bank 123 N Broadway Ave, Salem, OH 44460 +1 (330) 332 - 4621
Premier Bank 1226 W Wooster St, Bowling Green, OH 43402 +1 (419) 354 - 1400
Huntington Bank 34325 Center Ridge Rd, North Ridgeville, OH 44039 +1 (440) 353 - 9586
Sandel's Loan Inc 306 W Federal St, Youngstown, OH 44503 +1 (330) 743 - 1359

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kelleys Island, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Strongsville, OH, Payday Loan Without a Credit Check in Toledo, OH, Payday Loans in Warren, OH, No Credit Check Loans in West Chester, OH, Payday Loan for Westerville, OH, Payday Loan Companies in Westlake, OH, Payday Loans in Youngstown, OH and Payday Loans in Akron, 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 Kelleys Island, OH.

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

43438

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

Kelleys Island, OH payday loan calculator

Advise to read before applying

Payday Loans in Kelleys Island, Ohio: What You Need to Know

Whether it’s unexpected medical bills, car repairs, or an urgent home improvement project, there are times when you need cash fast. When you’re faced with an emergency expense and don’t have the savings to cover it, payday loans can offer a quick and convenient solution.

What are Payday Loans?

Payday loans are short-term loans designed to help individuals bridge the gap between paychecks. Typically, borrowers take out these loans to cover emergency expenses such as medical bills, car repairs, or other unexpected costs that cannot wait until their next paycheck. Payday loans are usually due on the borrower’s next payday and come with high-interest rates and fees.

Are Payday Loans Legal in Kelleys Island, Ohio?

Yes, payday loans are legal in Kelleys Island, Ohio. However, it’s important to note that Ohio has some of the most borrower-friendly payday loan laws compared to other states. The maximum loan amount in Ohio is $1,000, and lenders cannot charge more than 28% interest on loans below $1,000 and 60% on loans over $1,000.

How to Apply for a Payday Loan in Kelleys Island, Ohio

If you’re considering a payday loan in Kelleys Island, Ohio, it’s important to choose a reputable lender. TheGuaranteedLoans can help connect you with potential lenders who offer payday loans at a reasonable cost. All you need to do is fill out our online application, and we’ll connect you with a lender that meets your needs.

Here are the general requirements for payday loans in Ohio:

  • You must be at least 18 years of age
  • You must be a US citizen or permanent resident
  • You must have a regular income source
  • You must have a valid checking account

Benefits of Payday Loans

Payday loans can be a helpful financial tool for those who need cash fast and have no other options available. Some of the benefits of payday loans include:

  • Quick approval process
  • No credit check required
  • Ability to get cash fast when needed
  • No collateral required

Drawbacks of Payday Loans

While payday loans can be useful in certain situations, they also come with some drawbacks that you should consider before borrowing. Some of the drawbacks of payday loans include:

  • High-interest rates
  • Short repayment periods
  • Debt cycle potential
  • Potential for fees/penalties if you can’t repay on time

Interesting Facts and Statistics about Payday Loans in Kelleys Island, Ohio

  • There are over 1,600 payday loan locations in Ohio.
  • The average payday loan borrower in Ohio takes out 12 loans per year.
  • Only 1 in 6 payday borrowers in Ohio can repay their loans on time.
  • Payday lenders in Ohio earn over $500 million in fees annually.

Apply Now for a Payday Loan in Kelleys Island, Ohio

If you’re facing an emergency expense and need cash fast, TheGuaranteedLoans can help you connect with a potential lender in Kelleys Island, Ohio. Visit our website and fill out our online application to get started. Remember, we’re a connector service and not a direct lender, so we’ll help you find lenders who can meet your needs at a reasonable cost.

F.A.Q.

How do I repay a payday loan in Kelleys Island, Ohio?

You can repay a payday loan in Kelleys Island, Ohio by providing the lender with a post-dated check or authorizing them to withdraw the funds electronically from your bank account on the due date. You can also repay the loan in full or in part at any time before the due date without incurring any additional charges or fees.

What if I cannot repay a payday loan in Kelleys Island, Ohio on time?

If you cannot repay a payday loan in Kelleys Island, Ohio on time, you have the right to request an extended payment plan from the lender. Under this plan, the lender must allow you to make at least four payments over a 60-day period, with no additional fees or charges.

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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