Payday Loans in Kensington, Ohio

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

Company nameAddressZip codePhone number
Advance America 1258 Lincoln Way E, Massillon, OH 44646 +1 (330) 834 - 0072
Larry Brown: Allstate Insurance 251 W Garfield Rd 165, Aurora, OH 44202 +1 (330) 562 - 5282
Small Business Loan Source 445 Hutchinson Ave, Columbus, OH 43235 +1 (614) 785 - 6452
CashMax Ohio 1716 S Main St, Bellefontaine, OH 43311 +1 (937) 592 - 0094
U.S. Bank Branch 1 Public Square, Galion, OH 44833 +1 (419) 468 - 1115
Huntington Bank 1081 Williams Reserve Blvd, Wadsworth, OH 44281 +1 (330) 334 - 1091
Advance America 4429 Mahoning Avenue, Youngstown, OH 44515 +1 (330) 793 - 9092
Mariner Finance 5212 Detroit Rd, Elyria, OH 44035 +1 (440) 723 - 3059
CheckSmart 4816 Milan Rd, Sandusky, OH 44870 +1 (419) 625 - 3100
National Cash Advance 1591 Rombach Ave, Wilmington, OH 45177 +1 (937) 383 - 3481

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kensington, OH, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Bowling Green, OH, Payday Loans in Brunswick, OH, Payday Loans in Canton, OH, No Credit Check Loans in Cincinnati, OH, Payday Loans in Cleveland, OH, Payday Loans in Columbus, OH, Payday Loans in Cuyahoga Falls, OH and 24-Hour Loan in Dayton, 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 Kensington, OH.

Useful Articles

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

Kensington, OH payday loan calculator

Advise to read before applying

Understanding Payday Loans in Kensington, Ohio

Payday loans, also known as cash advances, are a type of short-term loan that can help individuals bridge the gap between paychecks. These loans are typically for small amounts, and they often come with high interest rates and fees. In Ohio, payday loans are legal and regulated to ensure that consumers are protected from predatory lending practices.

How Payday Loans Work in Kensington, Ohio

Payday lenders in Kensington, Ohio operate under the Short-Term Loan Act, which establishes regulations on loans of $1,000 or less. According to the Ohio Department of Commerce, payday lenders in Ohio can charge a maximum interest rate of 28% on loans up to $1,000, along with a monthly maintenance fee of 10% of the loan amount, up to $30.

To obtain a payday loan in Ohio, borrowers must provide proof of income and identification. Lenders will also require a post-dated check or electronic authorization to withdraw funds from the borrower’s bank account on the due date of the loan. Borrowers can typically borrow up to $500 or 25% of their gross monthly income, whichever is less.

The Risks of Payday Loans

While payday loans can be an option for those who need cash quickly, they come with significant risks. The high interest rates and fees associated with these loans can make it difficult for borrowers to pay back the loan on time, leading to a cycle of debt and additional fees. In fact, according to a report from the Consumer Financial Protection Bureau, more than 80% of payday loans are rolled over or followed by another loan within two weeks of the original loan due date.

In addition to the financial risks, payday loans can also have a negative impact on borrowers’ credit scores. If the borrower is unable to repay the loan on time, the lender may report the delinquent account to credit bureaus, which can lower the borrower’s credit score.

Interesting Facts and Statistics

  • The average payday loan in Ohio is for $318, and the average borrower pays $453 in interest and fees.
  • Ohio has the highest average interest rate for payday loans in the country, at 677% APR.
  • In Ohio, payday lenders have given more than $500 million in loans over the past five years.

Apply Now with TheGuaranteedLoans

If you’re in need of a payday loan in Kensington, Ohio, TheGuaranteedLoans can help. Our online application process is quick and easy, and we work with a network of trusted lenders to find the best loan offer for your individual needs. Keep in mind that TheGuaranteedLoans is not a direct lender – we are a loan connection service that can help you find the right lender for your needs.

Apply now and get connected to a payday lender in Kensington, Ohio, today!

F.A.Q.

Can I be sued or arrested for not repaying a payday loan in Kensington, Ohio?

No, you cannot be sued or arrested for not repaying a payday loan in Kensington, Ohio. However, the lender may use other collection methods, such as contacting you by phone or mail, reporting the debt to credit bureaus, or garnishing your wages, to collect the debt.

Are there any restrictions on the number of payday loans that I can take out in Kensington, Ohio?

Yes, there are restrictions on the number of payday loans that you can take out in Kensington, Ohio. You cannot take out more than two payday loans at a time, and you cannot take out more than four payday loans in a 12-month period.

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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