Payday Loans in Melmore, Ohio

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

Company nameAddressZip codePhone number
Hopewell Federal Credit Union JOHNSTOWN 635 W Coshocton St, Johnstown, OH 43031 +1 (740) 522 - 8311
American Pawn ltd 2121 Elida Rd, Lima, OH 45805 +1 (567) 371 - 3564
The Community Bank's Heath Lending Center 1102 Hebron Rd, Heath, OH 43056 +1 (740) 522 - 8900
Waterford Bank, N.A. Loan Production Office 209 S Main St, Findlay, OH 45840 +1 (419) 720 - 3888
Regency Finance Company 1125 Hebron Rd Suite A, Heath, OH 43056 +1 (740) 522 - 2222
Cashland 16761 St Clair Ave, East Liverpool, OH 43920 +1 (330) 382 - 0933
loanDepot 1230 Lexington Ave 102, Mansfield, OH 44907 +1 (419) 688 - 6050
Consumers National Bank - Waynesburg 8607 Waynesburg Dr SE, Waynesburg, OH 44688 +1 (330) 341 - 8741
DoverPhila Federal Credit Union 5465 E State Rd, Newcomerstown, OH 43832 +1 (330) 364 - 8874
Fort Jennings State Bank 302 Delphos Rd, Columbus Grove, OH 45830 +1 (419) 659 - 2527

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Melmore, OH, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Hilliard, OH, Short-term Loans in Lakewood, OH, Payday Loans in Lancaster, OH, Payday Loans in Lima, OH, Payday Loans in Lorain, OH, Payday Loans in Mansfield, OH, Payday Loans in Marion, OH and Same Day Loans in Mason, 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 Melmore, OH.

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

44845

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

Melmore, OH payday loan calculator

Advise to read before applying

When an unexpected emergency happens and you’re short on cash, payday loans can offer a quick and easy solution. In Melmore, Ohio, payday loans are legal and can be a helpful option for those in need of extra funds.

How Payday Loans Work in Melmore, Ohio

Payday loans are a type of short-term loan that borrowers can receive quickly and without a credit check. The loan is usually for a small amount, typically under $500, and is required to be repaid within a few weeks.

In Melmore, Ohio, the cost of payday loans is capped by state law. Lenders can charge up to 28% annual interest plus a $1.08 fee for a 14-day $100 loan. This means that a borrower would pay up to $16.08 for a $100 loan taken out for 14 days.

It’s important to note that payday loans are meant to be short-term solutions for unexpected expenses and should not be used for long-term financial issues.

Requirements for Obtaining a Payday Loan in Melmore, Ohio

In order to obtain a payday loan in Melmore, Ohio, borrowers must meet certain requirements set by the lender. These requirements often include:

  • Being at least 18 years of age
  • Holding a valid government-issued ID
  • Providing proof of income
  • Having an open and active checking account

It’s important for borrowers to understand the terms and conditions of the loan before accepting it and to make sure they can repay the loan on time to avoid additional fees and interest charges.

Benefits of Payday Loans in Melmore, Ohio

Payday loans can offer several benefits for borrowers in Melmore, Ohio. These benefits include:

  • Fast and easy application process
  • No credit check is required, making it accessible for those with poor credit scores
  • Can be used for any purpose, from emergency medical expenses to unexpected car repairs
  • It’s a legal option in Ohio

The Risks of Payday Loans in Melmore, Ohio

While payday loans can offer a quick and easy solution for those in need of extra cash, they also come with some risks. These risks include:

  • High interest rates and fees
  • Short repayment terms, which can lead to a cycle of debt if the borrower is unable to repay the loan on time
  • Can lead to financial instability if misused or overused

Interesting Facts and Statistics about Payday Loans in Melmore, Ohio

  • Ohio has the highest payday loan interest rates in the country, with an average interest rate of 591%.
  • According to the Ohio Department of Commerce, Ohioans paid more than $502 million in fees and interest for payday loans in 2018.
  • In Melmore, Ohio, the maximum amount that a borrower can take out for a payday loan is $500.
  • Payday lenders in Ohio often work with out-of-state banks to avoid Ohio’s interest rate cap.
  • A 2019 study by the Pew Charitable Trusts found that 12 million Americans take out payday loans each year, averaging eight payday loans per borrower per year.

Apply Now for a Payday Loan in Melmore, Ohio

If you’re in need of extra cash and are considering a payday loan in Melmore, Ohio, TheGuaranteedLoans can help. We provide a convenient online application process that connects borrowers with potential lenders. Please note that TheGuaranteedLoans is a connector service and not a direct lender.

To apply for a payday loan, simply fill out our online application form and we will match you with potential lenders who may be able to offer you a loan. Remember to read through the terms and conditions of the loan carefully before accepting it to make sure you are comfortable with the repayment terms and interest rates.

Apply now for a payday loan in Melmore, Ohio and get the extra cash you need to handle unexpected expenses.

F.A.Q.

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

Yes, a payday lender can garnish your wages if you default on a payday loan in Melmore, 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 Melmore, 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.

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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