Payday Loans in Lowellville, Ohio

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

Company nameAddressZip codePhone number
ATM The State Bank & Trust 235 Main St, Luckey, OH 43443 +1 (800) 627 - 3999
AgCredit, ACA 3113 OH-98, Bucyrus, OH 44820 +1 (419) 562 - 7926
CheckSmart 5582 Hall Rd, Galloway, OH 43119 +1 (614) 851 - 3230
United States Postal Service 117 Nassau St w, East Canton, OH 44730 +1 (800) 275 - 8777
Ohio Auto Loan Services, Inc. 1554 S Hawkins Ave, Akron, OH 44320 +1 (234) 231 - 7090
Chase Bank 6200 Brecksville Rd, Independence, OH 44131 +1 (216) 524 - 8616
Optima Lender Services 4640 Richmond Rd, Cleveland, OH 44128 +1 (216) 342 - 5006
Western Union Rite Aid, 325 W Broad St, Newton Falls, OH 44444 +1 (330) 872 - 4442
PNC Bank 29 N Gamble St, Shelby, OH 44875 +1 (419) 342 - 4565
Advance America 22678 Shore Center Dr, Euclid, OH 44123 +1 (216) 797 - 1924

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lowellville, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Westerville, OH, Short-term Loans in Westlake, OH, Bad Credit Loans in Youngstown, OH, Emergency Loan in Akron, OH, Short-term Loans in Bowling Green, OH, Payday Loans in Brunswick, OH, Payday Loans in Canton, OH and Payday Loan for 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 Lowellville, OH.

Beautiful sights of Lowellville, OH

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

44436

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

Lowellville, OH payday loan calculator

Payday Loans in Lowellville, Ohio – A Comprehensive Guide

Payday loans are a popular form of short-term borrowing in many states and Ohio is no exception. While regulations around payday loans can vary between states, Ohio has a unique system that provides borrowers with more affordable options.

What are Payday Loans?

Payday loans are small loans that are typically due on the borrower’s next payday. They are designed to help people cover unexpected expenses or bridge the gap between paychecks. Borrowers typically need to provide proof of income and a post-dated check for the amount of the loan plus fees.

Payday Loans in Ohio

In Ohio, payday loans are legal and regulated under the Short-Term Loan Act. This legislation caps loan amounts and fees, making payday loans more affordable for borrowers. Under these regulations, borrowers can borrow up to $1,000 and are charged a maximum interest rate of 28% per year.

The Process of Getting a Payday Loan in Lowellville, Ohio

If you’re considering getting a payday loan in Lowellville, Ohio, the process is relatively straightforward. First, you’ll need to find a lender that operates in the state. You can do this by searching online or visiting a local storefront.

Once you’ve found a lender, you’ll need to fill out an application. The application will typically require you to provide personal information, proof of income, and a post-dated check for the amount of the loan plus fees. You’ll then receive a decision on your application within a few minutes.

If you’re approved for a loan, you’ll receive the funds directly into your bank account. The loan will typically be due on your next payday, at which point the lender will cash your post-dated check.

Benefits of Payday Loans in Lowellville, Ohio

There are several benefits to getting a payday loan in Lowellville, Ohio. First, payday loans provide a quick way to access cash when you need it. The application process is typically fast, and you can receive funds within one business day.

Second, payday loans in Ohio are regulated under the Short-Term Loan Act. This means that borrowers are protected from high fees and interest rates, making payday loans a more affordable option than in some other states.

Drawbacks of Payday Loans in Lowellville, Ohio

While payday loans can be helpful in certain situations, they are not without their drawbacks. First, payday loans typically come with high fees and interest rates. Despite the regulations in Ohio, borrowers may still end up paying significantly more than they borrowed if they are unable to pay back the loan on time.

Second, payday loans can trap borrowers in a cycle of debt. If a borrower is unable to pay back the loan on time, they may choose to roll over the loan or take out another loan to cover the original loan. This can lead to a cycle of debt that is difficult to break free from.

Interesting Facts about Payday Loans in Lowellville, Ohio

  • Ohio enacted the Short-Term Loan Act in 2019, which brought significant reforms to the payday lending industry in the state.
  • According to a report by the Pew Charitable Trusts, Ohio has some of the strongest payday lending regulations in the country.
  • In 2020, the Ohio Supreme Court upheld the legality of the Short-Term Loan Act, affirming the state’s ability to regulate payday lending.

Apply Now

If you’re considering getting a payday loan in Lowellville, Ohio, TheGuaranteedLoans can help. As a connector service, we work with a network of reputable lenders to provide borrowers with competitive rates and flexible terms.

To start the application process, simply fill out our online form. We’ll match you with potential lenders and you can choose the loan that works best for you. Remember, we’re not a direct lender, but we’re committed to connecting borrowers with lenders who meet their needs.

Conclusion

Payday loans can be a helpful resource for borrowers who need quick access to cash. In Ohio, these loans are more affordable than in some other states thanks to strong regulations under the Short-Term Loan Act.

If you’re considering getting a payday loan in Lowellville, Ohio, be sure to do your research and choose a reputable lender. And remember, TheGuaranteedLoans is here to help connect you with potential lenders and make the process as smooth as possible.

F.A.Q.

What are the maximum interest rates and fees that can be charged on payday loans in Lowellville, Ohio?

The maximum interest rate that can be charged on payday loans in Lowellville, Ohio is 28% per year, which is equivalent to a maximum APR of 791% for a 14-day loan. The maximum fee that can be charged for a payday loan in Lowellville, Ohio is $15 per $100 borrowed, or $30 for loans of $500 or more.

Can I have more than one payday loan at a time in Lowellville, Ohio?

Yes, you can have multiple payday loans in Lowellville, Ohio at the same time, but the total amount of outstanding payday loans cannot exceed 25% of your gross monthly income.