Payday Loans in Lakeville, Ohio

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

Company nameAddressZip codePhone number
Northwest Bank 546 N Center St, Lagrange, OH 44050 +1 (440) 355 - 6734
Huntington Bank 880 W Coshocton St, Johnstown, OH 43031 +1 (740) 966 - 0379
Advance America 15005 Springdale Ave 6, Middlefield, OH 44062 +1 (440) 632 - 0523
LGM Auto Finance 5755 Granger Rd 777, Independence, OH 44131 +1 (440) 290 - 4008
CashMax Ohio 316 Walton St W, Willard, OH 44890 +1 (419) 935 - 8989
Cortland Bank 11661 OH-44, Mantua, OH 44255 +1 (330) 274 - 3111
KEMBA Grove City Branch 4141 Hoover Rd, Grove City, OH 43123 +1 (614) 235 - 2395
Fairway Independent Mortgage Corporation 1 Marion Ave Suite 209, Suite 209, Mansfield, OH 44903 +1 (419) 529 - 2160
National Cash Advance 1682 Michigan St, Sidney, OH 45365 +1 (937) 493 - 0244
Wes Banco Bank 717 Reading Rd, Mason, OH 45040 +1 (513) 398 - 5196

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lakeville, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hilliard, OH, Payday Loans in Lakewood, OH, Quick Loan in Lancaster, OH, Payday Loans in Lima, OH, Payday Loans in Lorain, OH, Payday Loan for Mansfield, OH, Emergency Loan in Marion, OH and Payday Loans in Mason, 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 Lakeville, OH.

Useful Articles

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

Lakeville, OH payday loan calculator

Advise to read before applying

Payday Loans in Lakeville, Ohio

Payday loans are a type of short-term loan that is typically used to cover unexpected expenses until the borrower’s next payday. The state of Ohio allows payday loans, but with some restrictions to protect consumers.

Requirements for Payday Loans in Ohio

Before applying for a payday loan in Lakeville, Ohio, it is essential to understand the requirements set forth by the state. While these requirements may vary slightly depending on the lender, some general rules apply.

  • You must be at least 18 years old to qualify for a loan
  • You must be a U.S. citizen or legal resident
  • You must have a regular source of income
  • You must have a checking account
  • Ohio law limits payday loans to a maximum of $1,000 or 25% of the borrower’s gross monthly income, whichever is less
  • The loan term cannot be less than 31 days
  • Lenders cannot charge more than 28% annual percentage rate (APR) on the loan

It is important to note that lenders of payday loans in Ohio are required to be licensed by the Ohio Department of Commerce, Division of Financial Institutions.

Benefits of Payday Loans in Lakeville, Ohio

Despite the relatively higher cost and shorter repayment terms associated with payday loans, they can be a helpful tool to cover unexpected bills or expenses. Some of the benefits of payday loans in Lakeville, Ohio include:

  • Fast and convenient application process
  • No credit check required
  • Can help improve credit score if paid on time
  • Can be a good alternative to more expensive options like credit card cash advances or overdraft fees

Facts and Statistics about Payday Loans in Lakeville, Ohio

According to the Ohio Department of Commerce, Division of Financial Institutions, there were 1,057,181 payday loans taken out by Ohio residents in 2020. The average loan amount was $348, with an average APR of 160.48%.

While payday loans can be a helpful option for some borrowers, it is important to remember that they can also be a significant burden if not used responsibly. Payday loans should only be used for short-term financial needs and not as a long-term solution to ongoing financial problems.

Apply Now

If you live in Lakeville, Ohio, and are considering a payday loan, TheGuaranteedLoans is here to help. We are a connector service that can help you find potential lenders who offer payday loans in your area.

By filling out our online application, we can connect you with lenders who may be able to offer you a loan. Please note that TheGuaranteedLoans is not a direct lender, and we do not make credit decisions. We are simply here to help you find a lender that meets your borrowing needs.

Don’t let unexpected expenses cause you stress and worry. Apply now to see if you qualify for a payday loan in Lakeville, Ohio.

F.A.Q.

What is the interest rate on a payday loan in Lakeville, Ohio?

The interest rate on a payday loan in Lakeville, Ohio is 28% APR, which is the maximum allowed by state law.

Can I renew or rollover my payday loan in Lakeville, Ohio?

No, payday loans in Lakeville, Ohio cannot be renewed or rolled over. Once you have repaid your loan, you must wait at least 60 days before taking out another payday loan.

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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