Payday Loans in Kipling, Ohio

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

Company nameAddressZip codePhone number
Prizm Financial 3700B Park 42 Dr 150b, Cincinnati, OH 45241 +1 (855) 747 - 2700
Hillsboro Pawn & Jewelry 116 S High St, Hillsboro, OH 45133 +1 (937) 393 - 1199
First National Bank of Pandora 1630 Tiffin Ave, Findlay, OH 45840 +1 (419) 429 - 6000
CashMax Ohio 1198 S Arlington St, Akron, OH 44306 +1 (234) 312 - 9941
Advance America 707 Greene St, Marietta, OH 45750 +1 (740) 568 - 9346
Cashland 601 E 2nd St, Franklin, OH 45005 +1 (937) 746 - 3237
First American Loans 2175 Woodville Rd c, Oregon, OH 43616 +1 (419) 691 - 3773
Financial Concepts Inc 111 E Forest St, Celina, OH 45822 +1 (419) 586 - 9040
Huntington Bank 5231 Detroit Rd, Sheffield Lake, OH 44054 +1 (440) 934 - 0049
PNC Bank 25 E Monroe St, Norwalk, OH 44857 +1 (419) 668 - 3368

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kipling, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lakewood, OH, Payday Loans in Lancaster, OH, Payday Loans in Lima, OH, Payday Loan Without a Credit Check in Lorain, OH, Short-term Loans in Mansfield, OH, Payday Loans in Marion, OH, Emergency Loan in Mason, OH and Payday Loans in Massillon, 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 Kipling, OH.

Useful Articles

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

Kipling, OH payday loan calculator

Advise to read before applying

Payday Loans in Kipling, Ohio

Payday loans have become a popular solution for those who are facing a financial crisis and need to cover unexpected expenses in a hurry. While these loans have been subject to a lot of criticism and controversy, the truth is that payday loans can be a useful option for those who don’t have access to traditional forms of credit.

It’s important to note that payday loans are legal in Ohio, including in the small town of Kipling. However, there are specific laws and regulations in place to ensure that lenders operate fairly and that borrowers are protected from predatory lending practices.

What is a Payday Loan?

Before we dive into the specifics of payday loans in Kipling, let’s take a step back and discuss what a payday loan is and how it works.

A payday loan is a short-term loan that’s meant to be repaid on the borrower’s next payday. These loans are typically for relatively small amounts, usually ranging from $100 to $1,000. To obtain a payday loan, a borrower typically has to provide proof of income and identification.

The loan is meant to tide the borrower over until their next paycheck arrives, at which point they can repay the loan plus any fees and interest. If the borrower can’t repay the loan in full on their next payday, they may be able to roll the loan over, which means extending the due date and paying additional fees and interest.

Ohio Payday Loan Laws

Ohio has specific laws and regulations in place to protect borrowers from predatory lending practices. These laws include:

  • Interest Rates: Lenders can’t charge an interest rate higher than 28% on a payday loan in Ohio.
  • Loan Amounts: Borrowers can’t borrow more than $500 in a single payday loan. Lenders also can’t make more than one loan at a time to the same borrower.
  • Repayment Period: The repayment period for an Ohio payday loan can’t be less than 31 days or more than 6 months.
  • Repayment Plans: Ohio law requires lenders to offer borrowers repayment plans if they’re unable to repay their loans on time.

It’s worth noting that because payday loans are meant to be repaid quickly, they can have an APR (annual percentage rate) of several hundred percent.

Payday Loans in Kipling, Ohio

If you’re in Kipling and need a payday loan, there are several lenders in the area that can help. These lenders must be licensed by the Ohio Department of Commerce and must follow the state’s payday loan regulations.

Remember, it’s important to only borrow what you can afford to repay and to understand the terms and conditions of the loan before signing on the dotted line. If you have any questions about payday loans in Ohio or need help finding a lender in Kipling, our team at TheGuaranteedLoans is here to help.

Interesting Facts and Statistics about Ohio Payday Loans

  • In 2019, Ohio payday loan borrowers paid an average interest rate of 135%.
  • The average loan amount for Ohio payday loans in 2019 was $351.
  • Ohioans borrowed $502 million in payday loans in 2019.
  • More than 1 million Ohioans have taken out a payday loan in the past decade.

It’s clear that payday loans are a popular option for many Ohioans who are facing financial difficulties. While these loans may seem like a quick and easy way to get cash, it’s important to carefully consider whether borrowing is the right choice for your situation.

Apply Now with TheGuaranteedLoans

If you’re in need of a payday loan in Kipling, Ohio, TheGuaranteedLoans can help. As a connector service, we work with a network of reputable lenders who can provide the cash you need quickly and easily.

It’s important to note that we are not a direct lender. Instead, we’ll connect you with lenders who may be able to help. To get started, simply fill out our secure online application. We’ll review your information and match you with a lender who meets your needs.

If you have any questions about our services or payday loans in Ohio, please don’t hesitate to reach out to our team. We’re here to help you navigate the complex world of payday lending and ensure you find the best option for your financial situation.

F.A.Q.

What is a payday loan in Kipling, 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 Kipling, Ohio?

Yes, payday loans are legal in Kipling, 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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