Payday Loans in Middletown, Ohio

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Payday Loan Companies in Middletown, OH

Company nameAddressZip codePhone number
Advance America 1315 S Breiel Blvd a 45044 +1 (513) 423 - 0450
Brian Meyer - Ameriprise Financial Services, LLC 1047 Summit Dr 45042 +1 (513) 425 - 9404
Butler Heritage FCU 660 N University Blvd 45042 +1 (513) 423 - 2921
Cashland 3515 Roosevelt Blvd 45044 +1 (513) 424 - 3727
CashMax Ohio 316 S Breiel Blvd 45044 +1 (513) 649 - 8253
Check Into Cash 4545 Roosevelt Blvd 45044 +1 (513) 727 - 8224
CheckSmart 3487 Dixie Hwy 45044 +1 (513) 727 - 4566
ColorTyme Cash Loans 4770 Roosevelt Blvd 45044 +1 (513) 425 - 0879
Eagle Loan 4464 Marie Dr 45044 +1 (513) 217 - 3800
First American Loans 4491 Marie Dr 45044 +1 (513) 727 - 9920
First Financial Bank 300 N Main St 45042 +1 (513) 217 - 2400
First National Bank 2 N Main St 45042
Middletown Cash Loans 4770 Roosevelt Blvd 45044 +1 (513) 425 - 0879
Ohio Auto Loan Services, Inc. 1290 Elliott Dr 45044 +1 (513) 422 - 5644
Treasure's of the chest 1380 Central Ave 45044 +1 (513) 727 - 1475

Payday Loan Companies in Nearby Cities

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

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

45042, 45044, 45043

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

Middletown, OH payday loan calculator

Advise to read before applying

Payday loans are short term, high-interest loans designed to meet a borrower’s short-term financial needs. In Ohio, these loans are legal and regulated by the state, but they come with severe restrictions. Loans of this type are especially prevalent in Middletown, where many people live paycheck to paycheck and need quick access to money.

What Are Payday Loans?

Payday loans are small loans with high interest rates that are typically due on the borrower’s next payday. In Ohio, the maximum amount of a payday loan is $500 and the maximum term is 31 days. The interest rate is capped at 28% per year or $1.25 for every $20 loaned.

Who Is Eligible for a Payday Loan in Middletown?

In order to be eligible for a payday loan in Middletown, borrowers must be at least 18 years old and have a valid checking account. Additionally, borrowers must have a steady source of income, a valid government-issued photo ID, and have lived in the state of Ohio for at least 30 days.

Pros and Cons of Payday Loans

Pros:

  • Fast and easy access to cash
  • No credit check needed
  • Can help in case of financial emergency

Cons:

  • High interest rates
  • Short-term loans with short repayment window
  • Can cause a cycle of debt if not managed responsibly

Are Payday Loans Available in Middletown?

Yes, payday loans are available in Middletown, Ohio. There are several payday loan companies located in the city, and some can also be found online. Before applying for a payday loan, it is important to do your research to find the best rates and terms available.

Alternatives to Payday Loans

If you need quick access to cash and are considering a payday loan, it is important to consider all of your options. Alternatives to payday loans include borrowing from family or friends, selling items, getting a personal loan, or using credit cards.

Apply Now

At TheGuaranteedLoans, it is always easy to apply for an online loan. We will connect you with lenders that can provide payday loans in Middletown, Ohio. All you have to do is fill out an application, and we will handle the rest. Please note that TheGuaranteedLoans is not a lender, and we are not responsible for loan approvals or denials.

Frequently Asked Questions

Q: What is the maximum amount I can borrow with a payday loan?

A: In Ohio, the maximum payday loan amount is $500.

Q: How long do I have to repay a payday loan?

A: The maximum term for a payday loan in Ohio is 31 days.

Q: What are the interest rates for a payday loan?

A: The interest rate for a payday loan in Ohio is capped at 28% per year or $1.25 for every $20 loaned.

Q: Are payday loans regulated in Ohio?

A: Yes, payday loans are regulated by the state of Ohio.

Conclusion

Payday loans are legal in Ohio and are available in Middletown. Although the loans can be convenient in times of financial emergency, the high interest rates and short repayment window can quickly cause borrowers to get stuck in a cycle of debt. Before taking out a payday loan, it is important to consider all of your options and make sure you can afford to repay the loan.

More F.A.Q.

Can I get more than one payday loan at a time in Middletown, Ohio?

No, Ohio law prohibits borrowers from taking out more than one payday loan at a time. This means that if you already have an outstanding payday loan, you will not be able to take out another one until the first one is paid off in full.

Can I roll over or extend my payday loan in Middletown, Ohio?

No, Ohio law prohibits the rollover or extension of payday loans. This means that if you are unable to pay off your loan on the due date, the lender cannot allow you to extend the loan or borrow more money to pay off the existing loan.

How Many Cash Advance Companies are in Middletown, OH?

With the help of our service, you will be able to find 15 cash advance companies in Middletown, OH

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

You should check Advance America, Brian Meyer - Ameriprise Financial Services, LLC, and Butler Heritage FCU. Also, you can start your application online on our website.

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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