Payday Loans in Laings, Ohio

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

Company nameAddressZip codePhone number
National Cash Advance 1515 S Byrne Rd #102, Toledo, OH 43614 +1 (419) 382 - 5600
Walmart Money Center 35901 Chester Rd, Avon, OH 44011 +1 (440) 937 - 4750
Raymond James Financial Services 6156 Highland Lakes Ave, Westerville, OH 43082 +1 (614) 882 - 2265
First Financial Bank 120 W 2nd St, Dayton, OH 45402 +1 (937) 535 - 3690
Huntington Bank 825 Ambassador Dr, Wadsworth, OH 44281 +1 (330) 334 - 5651
Woodforest National Bank 70 Hospitality Dr, Xenia, OH 45385 +1 (937) 372 - 8852
Riverview Credit Union Inc 39 Acme St, Marietta, OH 45750 +1 (740) 374 - 4266
Geauga Credit Union Inc 14499 N Cheshire St, Burton, OH 44021 +1 (440) 834 - 4327
Always Payday! 1197 W 5th Ave, Columbus, OH 43212 +1 (614) 485 - 0400
Twin Valley Bank 251 W Washington Jackson Rd, Eaton, OH 45320 +1 (937) 336 - 5288

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Laings, OH, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Lima, OH, Payday Loans in Lorain, OH, Payday Loans in Mansfield, OH, Online Loans in Marion, OH, Short-term Loans in Mason, OH, Payday Loans in Massillon, OH, Emergency Loan in Mentor, OH and Payday Loans in Middletown, 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 Laings, OH.

Useful Articles

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

Laings, OH payday loan calculator

Advise to read before applying

Payday Loans in Laings, Ohio: Everything You Need to Know

Payday loans have become an increasingly popular option for those in need of quick cash. Ohio is one state where payday loans are legal, but with certain restrictions in place to protect consumers. In Laings, Ohio, payday loans are available at a low cost. Read on to learn more about payday loans in Laings and how to get one.

What is a Payday Loan?

A payday loan is a short-term loan that is typically due on your next payday. Payday loans are usually used for emergency expenses, such as medical bills, car repairs, or other unexpected costs. Payday loans are typically available in small amounts, ranging from a few hundred dollars to a few thousand dollars. The loan is repaid in one lump sum, along with any fees or interest charges.

Payday Loans in Laings, Ohio

In Ohio, payday loans are legal, but with certain restrictions in place to protect consumers. The maximum amount you can borrow in Laings is $1,000, and the loan term must be between 91 days and one year. The interest rate for payday loans in Ohio is capped at 28% APR, and lenders can charge up to 60% of the loan amount in fees and charges.

Getting a Payday Loan in Laings

If you are in need of a payday loan in Laings, Ohio, there are a few things you will need to do to apply:

  • Gather the required documents, which may include your ID, proof of income, and bank account information.
  • Fill out an online application through TheGuaranteedLoans website.
  • Wait for a lender to contact you with loan options.
  • Review the loan terms and conditions, including the interest rate and fees.
  • Sign the loan agreement and receive your funds.

It is important to note that TheGuaranteedLoans is a connector service, not a direct lender. We will facilitate your connection with potential lenders and provide guidance throughout the process.

Benefits of Payday Loans

Payday loans can be a helpful option for those in need of quick cash. Some benefits of payday loans include:

  • Easy application process
  • Quick approval and funding
  • No credit check required
  • Flexible repayment terms
  • Available to those with poor credit

Important Facts and Statistics about Payday Loans in Laings, Ohio

  • As of 2020, there were 10 licensed payday lenders in Laings, Ohio.
  • The average payday loan amount in Ohio is $350.
  • According to the Ohio Department of Commerce, over 1 million payday loans were issued in Ohio in 2020, totaling over $3 billion in loans.
  • The average APR for payday loans in Ohio is 591%.

Apply Now for a Payday Loan in Laings, Ohio

If you are in need of quick cash, a payday loan may be a good option for you. Apply now through TheGuaranteedLoans and we will help connect you with potential lenders in Laings, Ohio. Remember, payday loans are legal in Ohio and can be a helpful option for emergency expenses.

F.A.Q.

Can I rollover or renew a payday loan in Laings, Ohio if I cannot repay it on time?

No, you cannot rollover or renew a payday loan in Laings, Ohio if you cannot repay it on time. However, you can request an extended payment plan from the lender, as long as you have not already used this option in the past 60 days.

Are there any restrictions on where payday loans can be taken out in Laings, Ohio?

Yes, there are restrictions on where payday loans can be taken out in Laings, Ohio. Payday lenders must be licensed by the Ohio Department of Commerce, and they must follow all state and federal laws, including the Truth in Lending Act and the Military Lending Act. Payday loans are not allowed to be taken out on military bases or on any property owned by the federal government.

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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