Payday Loans in Mentor, Ohio

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Payday Loan Companies in Mentor, OH

Company nameAddressZip codePhone number
ACE Cash Express 7537 Mentor Ave 44060 +1 (440) 602 - 2274
Advance America 9360 Mentor Ave h 44060 +1 (440) 205 - 0650
Advance America 9360 Mentor Ave Unit H 44060 +1 (440) 205 - 0650
Advance Pay USA 9167 Mentor Ave 44060 +1 (440) 266 - 8500
Check `n Go 9231 Mentor Ave 44060 +1 (440) 205 - 8888
Dollar Bank 7891 Mentor Ave 44060 +1 (440) 974 - 2785
Fairway Independent Mortgage Corporation 7400 Center St 44060 +1 (440) 221 - 9175
First National Bank 7323 Center St 44060 +1 (440) 205 - 0390
KeyBank 8405 Munson Rd 44060 +1 (440) 255 - 0612
Mariner Finance 9415 Mentor Ave 44060 +1 (440) 974 - 3309
Mentor Jewelry & Loan 8490 Mentor Ave 44060 +1 (440) 974 - 3494
Premier Bank 7707 Mentor Ave 44060 +1 (440) 954 - 9999
Third Federal Savings & Loan 7339 Mentor Ave 44060 +1 (440) 946 - 9040
U.S. Bank ATM - Mentor East 9572 Mentor Ave 44060 +1 (800) 872 - 2657

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mentor, OH, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Middletown, OH, 24-Hour Loan in Newark, OH, Payday Loans in North Olmsted, OH, Payday Loans in North Ridgeville, OH, Payday Loan Companies in North Royalton, OH, Payday Loan for Reynoldsburg, OH, Payday Loans in Springfield, OH and Same Day Loans in Stow, 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 Mentor, OH.

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

44060, 44061

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

Mentor, OH payday loan calculator

Advise to read before applying

Overview of Payday Loans in Mentor, Ohio

Payday loans are short-term loans designed to help people in need of emergency cash. While payday loans are legal in Ohio, lenders must abide by certain laws and regulations designed to protect borrowers from predatory lending practices. In Mentor, Ohio, payday loan lenders must adhere to the state’s small loans law, which caps the interest rate on a payday loan at 28%.

What are Payday Loans?

Payday loans are faster, smaller loans that are designed to help borrowers access emergency cash. They are typically due on your next payday, hence the name “payday loan.” The loans are typically repaid in one full payment, but can be split into two payments if necessary.

Unlike traditional loans, payday loans are relatively expensive and For example, a payday lender in Ohio can charge up to 28% interest a loan of up to $1000. This can be a prohibitively expensive form of borrowing, especially for borrowers who do not have the resources to pay back their loans on the due date.

Who Qualifies for a Payday Loan?

In order to qualify for a payday loan in Mentor, Ohio, borrowers must meet the basic eligibility requirements of the loan. These include:

  • At least 18 years old
  • A valid driver’s license or state-issued ID
  • Proof of a steady income
  • A bank account in good standing

In addition, the borrower must be able to demonstrate their ability to repay the loan.

Are Payday Loans Legal in Ohio?

Yes, payday loans are legal in Ohio, but lenders must follow the strict guidelines of the state’s small loan laws. The most important of these laws is the interest rate cap. In Ohio, payday lenders are not allowed to charge more than 28% annual interest on loans up to $1000.

Why Should I Consider a Payday Loan?

Payday loans can be a good option for borrowers who need emergency cash and have the resources to pay back the loan on time. Payday loans are quick, easy to access, and they provide you with the cash you need without having to wait weeks or months for a traditional loan.

Are there Alternatives to Payday Loans?

Yes, there are several alternatives to payday loans that may be a better option depending on your individual situation. These alternatives include small consumer loans, credit cards, or borrowing from friends or family.

How to Apply for a Payday Loan in Mentor, Ohio

If you are interested in applying for a payday loan in Mentor, Ohio, you can easily do so online. The process is simple and fast. All you need to do is fill out an online application with your basic personal information. Once you have submitted the application, a lender will review it and contact you to discuss your loan.

F.A.Q.

What is the maximum loan amount I can get from a payday loan in Ohio?

In Ohio, the maximum loan amount you can get is $1000.

What is the maximum interest rate I can be charged on a payday loan in Ohio?

In Ohio, the maximum interest rate that you can be charged on a payday loan is 28%.

Do I need to have good credit to be approved for a payday loan in Ohio?

No, you do not need to have good credit to be approved for a payday loan in Ohio. Payday lenders do not typically check your credit history, so your credit score will not affect your ability to be approved for a loan.

Can I apply for a payday loan online in Ohio?

Yes, you can easily apply for a payday loan online in Ohio. All you need to do is fill out an online application with your basic personal information. Once you have submitted the application, a lender will review it and contact you to discuss your loan.

Apply Now

If you need emergency cash, consider applying for a payday loan online with TheGuaranteedLoans. Our online application process is fast, secure and easy. Simply fill out the form and we will connect you with lenders in your area who can help. Please keep in mind that TheGuaranteedLoans is not a lender and is instead a platform which connects borrowers with lenders.

More F.A.Q.

What are the maximum loan amounts and fees for payday loans in Mentor, Ohio?

The maximum loan amount for a payday loan in Mentor, Ohio is $1,000, and the maximum fees that a lender can charge are $15 per $100 borrowed, or 15% of the check amount.

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

To apply for a payday loan in Mentor, Ohio, you will need to visit a payday loan lender in person and bring proof of income, a valid identification, and a blank check from an active checking account in your name. The lender will then review your information and, if approved, provide you with the loan amount and fees, which you will need to agree to in writing.

How Many Cash Advance Companies are in Mentor, OH?

With the help of our service, you will be able to find 14 cash advance companies in Mentor, OH

What Cash Advance Companies in Mentor, OH are the most popular?

You should check Advance America, ACE Cash Express, and Advance Pay USA. Also, you can start your application online on our website.

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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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