Payday Loans in Langsville, Ohio

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

Company nameAddressZip codePhone number
Port Conneaut Credit Union 1002 Broad St, Conneaut, OH 44030 +1 (440) 593 - 6218
Loan Central 326 Center St, Wheelersburg, OH 45694 +1 (740) 574 - 6767
Advance America 1100 N Cable Rd, Lima, OH 45805 +1 (419) 222 - 3900
Huntington Bank 709 Arlington Rd, Brookville, OH 45309 +1 (937) 833 - 6551
AgCredit 2500 W Market St, Tiffin, OH 44883 +1 (419) 447 - 0787
Park National Bank: Millersburg Office 225 N Clay St, Millersburg, OH 44654 +1 (330) 674 - 2610
Buckeye Gold Coin & Jewelry 720 N Memorial Dr, Lancaster, OH 43130 +1 (740) 652 - 4232
Advance America 2750 Mahoning Ave. NW, #8, Warren, OH 44483 +1 (330) 399 - 2050
The Federal Home Loan Bank of Cincinnati 221 E 4th St 600, Cincinnati, OH 45202 +1 (513) 852 - 7500
Westfield Bank 105 E Liberty St, Wooster, OH 44691 +1 (800) 368 - 8930

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Langsville, OH, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Massillon, OH, Payday Loans in Mentor, OH, Payday Loans in Middletown, OH, Payday Loans in Newark, OH, Payday Loans in North Olmsted, OH, Bad Credit Loans in North Ridgeville, OH, Payday Loans in North Royalton, OH and Payday Loans in Reynoldsburg, 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 Langsville, OH.

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

Langsville, OH payday loan calculator

Payday Loans in Langsville, Ohio: What You Need to Know

Payday loans are a popular option for those in need of quick cash. These short-term loans are typically small in size and are intended to provide immediate financial assistance to borrowers. However, with the high interest rates they often carry, payday loans can lead to a cycle of debt and financial hardship for those who fail to repay them in a timely manner.

Are Payday Loans Legal in Langsville, Ohio?

Yes, payday loans are legal in Langsville, Ohio. However, state law regulates the rates and terms of payday loans to ensure that borrowers aren’t taken advantage of. For example, the annual percentage rate (APR) on a payday loan in Ohio cannot exceed 28 percent. Additionally, borrowers are limited to borrowing a maximum of $1,000 or 25 percent of their gross monthly income, whichever is less.

It’s important to note that while payday loans are legal in Ohio, they may not be the best option for everyone. If you’re considering a payday loan, it’s important to understand the risks and obligations involved before making a decision.

How Do Payday Loans Work?

Payday loans are usually short-term loans that are meant to be repaid within a few weeks. To qualify for a payday loan, you’ll need to provide proof of income and a valid ID. Lenders may also require a post-dated check or access to your bank account information as collateral.

If approved, you’ll receive the loan amount, minus the lender’s fees and interest charges. On the due date, the lender will cash your check or withdraw the money from your bank account to repay the loan. If you’re unable to repay the loan in full, you may be charged additional fees and interest, and your credit score could be negatively impacted.

What Are the Risks of Payday Loans?

While payday loans can be a convenient way to get quick cash, they come with significant risks and drawbacks. Some of these include:

  • High interest rates: Payday loans often carry high interest rates that can add up quickly, especially if you can’t pay back the loan on time.
  • Debt cycle: If you’re unable to pay back the loan on time, you may find yourself taking out additional loans to cover the cost of the original loan. This can lead to a cycle of debt that’s difficult to break.
  • Financial hardship: If you’re already struggling financially, a payday loan can make your situation worse by adding additional debt and fees.
  • Expensive fees: In addition to high interest rates, payday loans often come with expensive fees and charges that can further increase the overall cost of the loan.

Interesting Statistics about Payday Loans in Langsville, Ohio

  • Number of payday lenders in Ohio: According to the Ohio Department of Commerce, there were 836 licensed payday lenders operating in Ohio as of January 2021.
  • Average APR on payday loans in Ohio: The average APR on a payday loan in Ohio is 591 percent, which is one of the highest in the country.
  • Number of payday loans taken out per year: According to a 2019 report by the Ohio Coalition for Responsible Lending, Ohioans took out approximately 1.7 million payday loans in 2018.

Apply Now

If you’re considering a payday loan, it’s important to understand the risks and obligations involved. At TheGuaranteedLoans, we’re committed to helping you find the right lender for your needs. Our online application process is quick and easy, and we’ll work with you to connect you with potential lenders who can offer you the best rates and terms.

It’s important to remember that TheGuaranteedLoans is not a direct lender, but a loan connector service. This means that we work with a network of lenders who can provide you with the cash you need. To begin your application process today, simply visit our website and fill out our online form.

Conclusion

Payday loans can be a convenient option for those in need of quick cash, but they come with significant risks and drawbacks. It’s important to understand the rates and terms of the loan before signing and to have a plan in place to repay the loan on time.

At TheGuaranteedLoans, we’re committed to providing you with the information and resources you need to make informed financial decisions. Whether you’re looking for a payday loan or another type of loan, our online application process is quick and easy, and our network of lenders can offer you the best rates and terms available.

F.A.Q.

Can I get a payday loan in Langsville, Ohio if I have bad credit?

Yes, payday loans in Langsville, Ohio are typically available to borrowers with bad credit, as they do not require a credit check.

What fees are associated with a payday loan in Langsville, Ohio?

In addition to the interest, payday loans in Langsville, Ohio may also include fees for processing, origination, and late payments.