Payday Loans in Macksburg, Ohio

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

Company nameAddressZip codePhone number
First American Loans 2175 Woodville Rd c, Oregon, OH 43616 +1 (419) 691 - 3773
Huntington Bank 19 S 4th St, Martins Ferry, OH 43935 +1 (740) 633 - 1398
Directions Credit Union 2258 Eagle Pass, Wooster, OH 44691 +1 (330) 264 - 1839
Chivaho 190 N Bridge St, Chillicothe, OH 45601 +1 (866) 695 - 4142
PNC Bank 25 S Portage St, Doylestown, OH 44230 +1 (330) 658 - 2000
WesBanco Bank 500 3rd Ave, Gallipolis, OH 45631 +1 (740) 446 - 0315
Huntington Bank 55 Meadow Park Ave, Lewis Center, OH 43035 +1 (740) 548 - 4756
First Financial Bank 1 E 4th St, Cincinnati, OH 45202 +1 (513) 832 - 6300
First American Cash Advance 1637 E US Hwy 36 Suite 4, Urbana, OH 43078 +1 (937) 653 - 8387
Fairfield Federal - West Fair Avenue 1100 W Fair Ave, Lancaster, OH 43130 +1 (740) 653 - 1895

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Macksburg, OH, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Springfield, OH, Payday Loans in Stow, OH, Bad Credit Loans in Strongsville, OH, Payday Loans in Toledo, OH, Payday Loans in Warren, OH, Guaranteed Loans in West Chester, OH, Emergency Loan in Westerville, OH and Payday Loan Companies in Westlake, 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 Macksburg, OH.

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

45746

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

Macksburg, OH payday loan calculator

Advise to read before applying

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

Are you experiencing financial difficulties and need cash immediately? If you live in Macksburg, Ohio, you may be considering a payday loan. This type of loan is legal and may be a viable option for emergency expenses or temporary financial relief. In this article, we’ll discuss the basics of payday loans and how they work in Macksburg, Ohio.

What are Payday Loans?

Payday loans are short-term loans designed to cover immediate expenses or financial emergencies. They are typically small, ranging from $100 to $1,000, and must be repaid within a few weeks, usually on your next payday. Payday loans are different from traditional bank loans as they require no collateral and have higher interest rates.

Payday Loans in Macksburg, Ohio: Laws and Regulations

If you’re considering a payday loan in Macksburg, Ohio, you should know that they are legal, but with some regulations. Under Ohio law, payday loans must not exceed $500, and lenders can charge a maximum annual percentage rate (APR) of 28%. The maximum loan term is 31 days, and borrowers may not take out more than one loan at the same time.

Ohio law also requires lenders to comply with the Truth in Lending Act, which mandates that lenders must disclose all loan fees and interest rates in writing. Additionally, Macksburg payday loan lenders must be licensed through the Ohio Department of Commerce Division of Financial Institutions.

Benefits of Payday Loans

While payday loans have higher interest rates than traditional loans, they still have some benefits. One of the biggest benefits is that payday loans are accessible to people with bad credit or no credit history. Payday loans also have a quick approval process, and you can receive the loan amount within a day or two.

Interest Rates and Fees for Payday Loans in Macksburg, Ohio

Ohio payday loan lenders can charge a maximum APR of 28%. For example, if you take out a $300 loan for two weeks, the total cost would be $21 in interest. In addition to interest, lenders may charge fees such as origination fees, late payment fees, and non-sufficient funds (NSF) fees.

Payday Loan Alternatives in Macksburg, Ohio

While payday loans may be a viable option for some, there are alternatives you may want to consider. Some options include:

  • Credit counseling
  • Personal loans from a bank or credit union
  • Credit card cash advances
  • Working out payment plans with creditors

Interesting Facts or Statistics about Payday Loans in Macksburg, Ohio

– In Ohio, the average payday loan is $375.
– The average APR for payday loans in Ohio is 591%, much higher than the 28% allowed by state law.
– According to a 2019 report by the Center for Responsible Lending, Ohioans paid over $185 million in payday loan fees in 2018.
– The number of payday loan locations in Ohio decreased from 1,562 in 2008 to 235 in 2019, likely due to state regulations.

Apply Now

If you’ve decided that a payday loan is the best option for you, TheGuaranteedLoans can connect you with potential lenders. We are not a direct lender, but a connector service that partners with reputable payday loan lenders in Macksburg, Ohio.

To fill out an online application, visit our website and complete the short form. After submitting your application, we’ll provide you with a list of potential lenders who may be able to offer you a loan.

Remember, payday loans should be used as a last resort and only for emergency expenses. Be sure to read the loan terms and conditions carefully before signing any agreements.

F.A.Q.

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

Yes, payday loans in Macksburg, 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 Macksburg, Ohio?

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

Look for Short-Term Loans in Other Cities:

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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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