Payday Loans in Lafayette, Ohio

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

Company nameAddressZip codePhone number
Advance America 9315 OH-14 Unit C, Streetsboro, OH 44241 +1 (330) 626 - 2901
Union Bank 19 Acme St, Marietta, OH 45750 +1 (740) 374 - 0010
Auto Loan Inc 1250 W Main St B, Kent, OH 44240 +1 (330) 677 - 2888
Eagle Loan 2432 W State St, Alliance, OH 44601 +1 (330) 680 - 6000
Huntington Bank 106 S Center St, Lagrange, OH 44050 +1 (440) 355 - 8000
Fremont Federal Credit Union 801 W Main St, Woodville, OH 43469 +1 (419) 849 - 2570
Homeland Credit Union 1195 N 5th St, Greenfield, OH 45123 +1 (937) 981 - 1946
Dick Clark Associates 875 Blake Ave SW, New Philadelphia, OH 44663 +1 (330) 308 - 5769
Fifth Third Bank & ATM 4706 N Summit St, Toledo, OH 43611 +1 (419) 729 - 4657
Kemba Credit Union 1014 Vine St, Cincinnati, OH 45202 +1 (513) 762 - 5070

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lafayette, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Westerville, OH, Payday Loans in Westlake, OH, Payday Loans in Youngstown, OH, Payday Loans in Akron, OH, Payday Loans in Bowling Green, OH, Emergency Loan in Brunswick, OH, Guaranteed Loans in Canton, OH and Bad Credit Loans in Cincinnati, 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 Lafayette, OH.

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

45854

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

Lafayette, OH payday loan calculator

Advise to read before applying

Payday Loans in Lafayette, Ohio: What You Should Know

Payday loans are a type of short-term loan that borrowers can use to cover unexpected expenses. These loans are typically due on the borrower’s next payday and can be obtained quickly without a credit check. In Lafayette, Ohio, payday loans are legal and regulated by state law.

How Payday Loans Work

To obtain a payday loan in Lafayette, Ohio, a borrower fills out an application with personal information, employment details, and a postdated check for the loan amount plus fees. The lender will then deposit the loan into the borrower’s account and cash the postdated check on the due date.

Payday loans are designed to be a short-term solution for unexpected expenses, such as car repairs or medical bills. The fees and interest rates on these loans can be high, so borrowers should only use them as a last resort.

Legal Regulations for Payday Loans in Ohio

Payday loans are legal in Ohio but with certain restrictions. The maximum loan amount is $1,000, and the fees cannot exceed 28% of the loan amount. The loan term must be at least 31 days, and borrowers cannot have more than one loan at a time.

Ohio law also provides some protections for borrowers. Lenders are required to provide a written agreement that outlines the loan terms, fees, and due date. Lenders cannot ask borrowers to provide collateral, and they cannot threaten criminal prosecution for non-payment.

Benefits and Risks of Payday Loans

Payday loans can be a helpful option for borrowers who need cash quickly and have no other alternatives. These loans can provide a short-term solution for unexpected expenses and emergencies.

However, payday loans also come with risks. The fees and interest rates on these loans can be high, making it difficult to repay the loan on time. This can lead to a cycle of debt and financial hardship. Borrowers should carefully consider the risks and benefits before taking out a payday loan.

Interesting Facts and Statistics about Payday Loans in Lafayette, Ohio

– In 2019, Ohio borrowers took out more than 1 million payday loans, totaling more than $4 billion in loan volume.

– The average loan amount in Ohio is $350, and the average fee is about $70.

– About 1 in 10 Ohio borrowers end up defaulting on their payday loans.

Apply Now with TheGuaranteedLoans

If you find yourself in need of a payday loan in Lafayette, Ohio, TheGuaranteedLoans is here to help. We are a connector service that can help you find a lender who meets your needs. Our online application process is easy and secure, and we work with a network of lenders who offer competitive rates and flexible terms.

Remember, payday loans should be used only as a last resort. Before taking out a loan, consider all your options and make sure you can repay the loan on time. If you have any questions about payday loans in Lafayette, Ohio, contact TheGuaranteedLoans today.

F.A.Q.

How do I repay a payday loan in Lafayette, Ohio?

You can repay a payday loan in Lafayette, 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 Lafayette, Ohio on time?

If you cannot repay a payday loan in Lafayette, 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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