Payday Loans in Metamora, Ohio

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

Company nameAddressZip codePhone number
Huntington Bank 880 W Coshocton St, Johnstown, OH 43031 +1 (740) 966 - 0379
The Croghan Colonial Bank 147 W Water St, Oak Harbor, OH 43449 +1 (419) 898 - 5741
Raymond James Financial Services 225 N Main St, Celina, OH 45822 +1 (419) 584 - 2860
Dennis Rockhold - Raymond James 410 S Cable Rd, Lima, OH 45805 +1 (419) 222 - 8550
Northwest Bank 49 S Main St, Oberlin, OH 44074 +1 (440) 775 - 1361
Mc Donald Community Federal CU 408 Ohio Ave, McDonald, OH 44437 +1 (330) 530 - 5091
Walmart Money Center 2052 OH-53, Fremont, OH 43420
Advance America 10589 Springfield Pike, Cincinnati, OH 45215 +1 (513) 771 - 1114
Peoples Federal Savings & Loan 403 S Pike St, Anna, OH 45302 +1 (937) 394 - 2265
U.S. Bank Branch 910 W Main St, Troy, OH 45373 +1 (937) 335 - 8351

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Metamora, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Youngstown, OH, Payday Loan Companies in Akron, OH, Payday Loans in Bowling Green, OH, Payday Loans in Brunswick, OH, Payday Loans in Canton, OH, Payday Loans in Cincinnati, OH, Payday Loan Companies in Cleveland, OH and Payday Loans in Columbus, 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 Metamora, OH.

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

43540

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

Metamora, OH payday loan calculator

Advise to read before applying

Understanding Payday Loans in Metamora, Ohio

Payday loans can be a helpful financial tool for those who are facing unexpected expenses or emergencies. In Metamora, Ohio, payday loans are legal and offer a low-cost borrowing option for individuals in need of quick cash.

What are Payday Loans?

Payday loans are short-term loans that are meant to be repaid on the borrower’s next payday, hence the name. These loans are typically for small amounts of money, usually ranging from $100 to $1,500, and have high interest rates.

Payday loans are meant to be a quick fix for those who are facing unexpected expenses or emergencies but don’t have savings or access to traditional lending channels. Most lenders will require the borrower to provide proof of income and identification before approving the loan.

It is important to note that payday loans can be expensive and should only be used as a last resort. The interest rates on these loans are often much higher than traditional loans, and failure to repay the loan on time can result in hefty fees and penalties.

Payday Loans in Metamora, Ohio

Payday loans are legal in Ohio, but there are regulations in place to protect borrowers from excessive fees and interest rates. In Metamora, payday loans are subject to the following regulations:

  • The maximum loan amount is $1,000 or 25% of the borrower’s gross monthly income, whichever is less
  • The loan term cannot exceed 31 days
  • The interest rate cannot exceed 28% per annum
  • The finance charge cannot exceed $20 for every $100 borrowed
  • The borrower can have only one outstanding loan at a time, with a cooling-off period of at least 48 hours between loans

It is important to note that payday lenders in Metamora, Ohio, must be licensed by the Ohio Department of Commerce.

Applying for a Payday Loan in Metamora

If you find yourself in need of a payday loan in Metamora, Ohio, TheGuaranteedLoans is here to help connect you with potential lenders. Our online application process is quick and easy, and we aim to connect you with lenders who can meet your individual needs.

Our service is not a direct lender, but we work with a network of reputable lenders who can provide you with the funds you need. The online application process typically takes only a few minutes, and you can receive your funds as soon as the next business day.

Interesting Facts and Statistics About Payday Loans in Metamora, Ohio

  • According to a recent report by the Ohio Department of Commerce, there are over 200 licensed payday lenders in Ohio, with over 1,000 storefronts across the state.
  • In 2020, Ohio residents borrowed over $500 million in payday loans. The average loan amount was $383, and the average length of the loan was 21 days.
  • According to a study by the Pew Charitable Trusts, over 80% of payday loans in Ohio are taken out by borrowers who need to borrow again within 14 days.

Apply Now

If you are in need of a payday loan in Metamora, Ohio, TheGuaranteedLoans can help. Our online application process is quick and easy, and we can connect you with reputable lenders who can meet your individual needs. Click “Apply Now” to get started.

Please note, we are not a direct lender, and our service is completely free of charge. We simply aim to connect borrowers with potential lenders who can provide the funds they need.

F.A.Q.

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

Yes, payday loans in Metamora, 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 Metamora, Ohio?

In addition to the interest, payday loans in Metamora, 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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