Payday Loans in Martin, Ohio

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

Company nameAddressZip codePhone number
National Cash Advance 5678 N Springboro Pike, Dayton, OH 45449 +1 (937) 643 - 9874
Pete's Auto Sales LLC 428 E Maple St, Hartville, OH 44632 +1 (330) 361 - 3285
Check Into Cash 927 N Cable Rd Suite 175, Lima, OH 45805 +1 (419) 991 - 8922
Farmers & Merchants State Bank 101 Main St, Delta, OH 43515 +1 (419) 822 - 9510
Raymond James Financial Services 229 E 2nd St, Delphos, OH 45833 +1 (419) 692 - 4133
Morgan Stanley 7777 Washington Village Dr Ste 100, Dayton, OH 45459 +1 (937) 434 - 9269
Atomic Employees Credit Union 190 Waverly Plaza, Waverly, OH 45690 +1 (740) 947 - 4419
First American Loans 1030 Upper Valley Pike, Springfield, OH 45504 +1 (937) 325 - 8991
Chase Bank 2772 N Ridge Rd, Perry, OH 44081 +1 (440) 352 - 5491
Woodforest National Bank 200 Tuttle Rd, Springfield, OH 45505 +1 (937) 324 - 0150

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Martin, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lorain, OH, Bad Credit Loans in Mansfield, OH, Emergency Loan in Marion, OH, Payday Loan for Mason, OH, Payday Loan Without a Credit Check in Massillon, OH, Payday Loans in Mentor, OH, Payday Loans in Middletown, OH and Payday Loans in Newark, 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 Martin, OH.

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

43445

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

Martin, OH payday loan calculator

Payday Loans in Martin, Ohio

Payday loans are a popular type of short-term loan used by many people in need of financial assistance. These loans are designed to help people cover unexpected expenses or emergencies until their next paycheck. In Ohio, payday loans are legal and regulated by the state government, providing borrowers with a safe and affordable option for obtaining quick cash.

How do payday loans work in Ohio?

As mentioned, payday loans are legal and regulated in Ohio under the Short-Term Loan Act. This act requires lenders to have a license to operate in the state and sets limits on loan terms and fees. Under this law, payday loan amounts are limited to $1,000, and lenders may not charge interest rates above 28% per year.

The repayment term for payday loans in Ohio is typically 14 days, but lenders may offer longer repayment terms up to 31 days if the loan amount exceeds $500. Borrowers may only have one outstanding loan at a time and must wait at least 45 days before applying for a new loan. Lenders may not rollover or refinance a loan more than once, and they must provide borrowers with a written agreement detailing the loan terms, including the fees and interest rates.

The benefits of payday loans in Martin, Ohio

Payday loans in Martin, Ohio offer several benefits to borrowers.

  • Quick approval process: Unlike traditional loans, payday loans are approved quickly, often within a few minutes or hours of submitting an application.
  • No credit check required: Payday lenders typically do not check credit scores, making it easier for those with poor credit to obtain a loan.
  • Flexible repayment terms: Lenders may offer longer repayment terms up to 31 days for larger loan amounts, giving borrowers more flexibility in repaying their loans.

The risks of payday loans in Martin, Ohio

While payday loans offer many benefits, they also have some risks that borrowers should be aware of before obtaining a loan.

  • High fees and interest rates: Payday lenders may charge higher fees and interest rates than traditional lenders, making these loans more expensive for borrowers.
  • Potential for debt traps: The short repayment terms and high fees of payday loans can sometimes lead borrowers into a cycle of debt, where they must continually borrow more money to repay previous loans.
  • Scams and fraud: Some payday lenders may engage in fraudulent or illegal practices, such as charging illegal fees or using aggressive collection tactics.

Interesting Facts and Statistics About Payday Loans in Martin, Ohio

  • According to a report by the Pew Charitable Trusts, about 1 in 10 Ohioans have taken out a payday loan, and the average borrower takes out 10 payday loans per year.
  • Payday lenders in Ohio charged an average annual interest rate of 591% in 2019, according to a report by the Ohio Department of Commerce.
  • Ohio voters passed a ballot measure in 2008 to cap payday loan interest rates at 28%, leading to the shutdown of many payday lenders in the state. However, some lenders have found ways to circumvent the law and charge higher rates.

Apply Now for a Payday Loan in Martin, Ohio

If you are in need of quick cash to cover unexpected expenses or emergencies, applying for a payday loan may be a good option for you. At TheGuaranteedLoans, we offer a fast and easy online application process that can connect you with potential lenders in Martin, Ohio.

As a connector service, we are not a direct lender, but we work with a network of trusted lenders who can provide you with the funds you need. Our online application process takes only a few minutes to complete, and lenders will typically provide a loan decision within hours or even minutes of submission.

Visit our website now to fill out an application and get connected with potential lenders who can help you get the cash you need. Remember to borrow responsibly and consider all the benefits and risks of payday loans before obtaining a loan.

F.A.Q.

How do I apply for a payday loan in Martin, Ohio?

To apply for a payday loan in Martin, Ohio, you must be at least 18 years old and have a valid ID, proof of income, and a bank account. You can apply online, by phone, or in person at a payday lending store.

How much can I borrow with a payday loan in Martin, Ohio?

The maximum amount that you can borrow with a payday loan in Martin, Ohio is $1,000. However, the actual amount that you can borrow will depend on your income and the lender's lending policies.