Payday Loans in Lindsey, Ohio

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

Company nameAddressZip codePhone number
Commodore Perry Federal CU 1711 W Fremont Rd, Port Clinton, OH 43452 +1 (419) 734 - 4419
CheckSmart 134 McMahan Blvd, Marion, OH 43302 +1 (740) 389 - 2097
Nicholas Financial Inc 3852 Hard Rd, Dublin, OH 43016 +1 (614) 210 - 0862
Fifth Third Bank & ATM 702 N Clinton St, Defiance, OH 43512 +1 (419) 782 - 4102
National Cash Advance 25951 Euclid Ave, Euclid, OH 44132 +1 (216) 731 - 6670
Nicholas Financial Inc 33109 Center Ridge Rd, North Ridgeville, OH 44039 +1 (440) 327 - 1938
1st Choice Financial 1204 Columbus Ave, Washington Court House, OH 43160 +1 (740) 333 - 4333
Check n Go 5365 Ridge Ave, Cincinnati, OH 45213 +1 (513) 531 - 2288
Huntington Bank 4349 Mahoning Ave. NW, Warren, OH 44483 +1 (330) 841 - 0227
Advance America 2230 US Highway 68 S, Bellefontaine, OH 43311 +1 (937) 592 - 9068

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lindsey, OH, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Columbus, OH, Payday Loans in Cuyahoga Falls, OH, Payday Loans in Dayton, OH, Payday Loans in Delaware, OH, Bad Credit Loans in Dublin, OH, Payday Loans in Elyria, OH, Payday Loans in Euclid, OH and Payday Loans in Fairborn, 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 Lindsey, OH.

Beautiful sights of Lindsey, OH

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

43442

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

Lindsey, OH payday loan calculator

Payday Loans in Lindsey, Ohio: What you need to know

Are you in need of quick cash to tide you over until your next paycheck? Payday loans can be a helpful solution to cover unexpected expenses. If you reside in Lindsey, Ohio, you have access to legal payday loans at a low cost. In this article, we will guide you through all the essential information you need to know about payday loans in Lindsey.

What are payday loans?

Payday loans are short-term loans taken out to cover unexpected expenses until the borrower’s next payday. They are typically small amounts ranging from $100-$1000. The loan is designed to be paid back in full on the borrower’s next payday.

How does it work in Lindsey, Ohio?

Payday loans are legal in Ohio. The Ohio Short-Term Loan Act restricts the maximum borrowing amount to $1000 or 25% of the borrower’s gross monthly income. The loan term should be no longer than 90 days. The interest rate on payday loans in Ohio is capped at 28% APR.

In Lindsey, Ohio, payday loan lenders must be licensed by the Ohio Department of Commerce Division of Financial Institutions. Before taking out a loan, ensure the lender has a valid license.

What are the requirements for getting a payday loan in Lindsey, Ohio?

To qualify for payday loans in Lindsey, Ohio, you need to:

  • Be at least 18 years old
  • Have a valid government-issued ID card
  • Be a resident of Ohio
  • Have a regular income source
  • Have a checking account in your name

The borrower submits an application and, upon approval, receives the loan amount directly into their bank account. The borrower must repay the loan plus interest and fees by their next payday.

What are the benefits of payday loans in Lindsey, Ohio?

Payday loans are an easy way to get quick cash to cover unexpected expenses between paychecks. The application process is quick, and approval is fast, typically within a day.

Plus, payday loans in Ohio are cheaper compared to other states. Ohio has a 28% APR cap on payday loans, which is much lower than the average payday loan interest rate in other states, which can be as high as 400% APR.

Apply Now

If you need quick cash, fill out our online application form on TheGuaranteedLoans website. We are a connecting service and not a direct lender. We will forward your application to potential lenders who may offer you payday loans.

Interesting facts about payday loans in Lindsey, Ohio

  • Ohio has 830 payday loan storefronts in 76 counties.
  • Ohio households with annual income less than $25,000 are the biggest users of payday loans.
  • The average amount borrowed in Ohio is $332
  • Ohioans paid $184 million in payday loan fees in 2019.

Conclusion

Payday loans can be useful in covering unexpected expenses between paychecks, and Ohio has one of the lowest interest rates on payday loans in the US. If you live in Lindsey, Ohio, and qualify for the loan requirements, consider getting a payday loan. TheGuaranteedLoans is here to help you with the process.

Remember, payday loans should only be taken out for emergencies and repaid on-time to avoid incurring additional fees and penalties.

F.A.Q.

Can a payday lender garnish my wages if I default on a payday loan in Lindsey, Ohio?

Yes, a payday lender can garnish your wages if you default on a payday loan in Lindsey, Ohio. However, the lender must first obtain a court order, and they can only garnish up to 25% of your disposable earnings per week. You have the right to request a hearing to challenge the garnishment, and you cannot be fired from your job for having your wages garnished.

What is a payday loan in Lindsey, Ohio?

A payday loan is a short-term, high-interest loan that is typically used to cover unexpected expenses or to bridge a financial gap until the borrower's next payday.