Payday Loans in Midland, Ohio

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

Company nameAddressZip codePhone number
Toledo Check Cashing Center 4625 N Detroit Ave, Toledo, OH 43612 +1 (419) 476 - 4950
Cinfed Credit Union 4801 Kennedy Ave, Cincinnati, OH 45209 +1 (513) 333 - 3800
Check `n Go 6212 Glenway Ave, Cincinnati, OH 45211 +1 (513) 662 - 0200
Hocking Valley Bank 7 W Stimson Ave, Athens, OH 45701 +1 (740) 592 - 4441
First American Loans 634 Plaza Dr #3, Fostoria, OH 44830 +1 (419) 436 - 0290
Advance America 836 S Main St, Bowling Green, OH 43402 +1 (419) 353 - 9111
Walmart Money Center 3551 N Ridge Rd E, Ashtabula, OH 44004
Securities America Inc 3454 Oak Alley Ct 406, Toledo, OH 43606 +1 (419) 531 - 5600
Middletown Cash Loans 4770 Roosevelt Blvd, Middletown, OH 45044 +1 (513) 425 - 0879
Dollar Bank 5180 Warrensville Center Rd, Maple Heights, OH 44137 +1 (216) 475 - 7770

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Midland, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Strongsville, OH, Same Day Loans in Toledo, OH, Payday Loans in Warren, OH, Payday Loans in West Chester, OH, Payday Loans in Westerville, OH, Payday Loans in Westlake, OH, Payday Loan Companies in Youngstown, OH and Short-term Loans in Akron, 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 Midland, OH.

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

45148

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

Midland, OH payday loan calculator

Advise to read before applying

Are you in a tight spot and in need of cash to cover unforeseen expenses? A payday loan in Midland, Ohio, may be the answer to your financial difficulties. Ohio state law allows payday loans to be offered with a low cost, which means they can be a viable option in certain situations. However, before jumping into this type of lending, you need to understand what payday loans are, how they work, and what the requirements are for getting one in Midland.

What Are Payday Loans?

Payday loans are short-term, high-interest loans designed to help you get quick cash to cover unexpected expenses. These loans are typically small, and they are meant to be paid back in full with your next paycheck. Some lenders offer the option to extend the loan repayment period, but this usually involves additional fees and interest.

Payday loans are legal in Ohio, with certain restrictions. Lenders must have a valid license, and they must adhere to strict regulations that ensure borrowers are not taken advantage of. The maximum amount of a payday loan in Ohio is $1,000, and the maximum loan term is 6 months.

The Application Process

The application process for a payday loan in Midland, Ohio, is simple and straightforward. To apply for one, you must provide proof of income, such as a pay stub or bank statement. You will also need to have an active checking account, as this is where the loan funds will be deposited.

Once you submit your application, the lender will review it and determine if you are eligible for a loan. If you are approved, you will receive the loan funds within one business day. The lender will then automatically deduct the loan amount plus interest and fees from your checking account on the due date, which is usually your next payday.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have their pros and cons. Understanding these can help you make an informed decision about whether a payday loan is the right choice for you.

Pros:

  • Quick and easy access to cash
  • No credit check required
  • Can help you avoid late fees and other penalties
  • May be cheaper than other forms of credit, such as credit card cash advances

Cons:

  • High interest rates and fees
  • Can trap you in a cycle of debt if you are unable to pay the loan back on time
  • May negatively affect your credit score if you default on the loan
  • Not recommended for long-term financial solutions

Apply Now for a Payday Loan in Midland, Ohio

If you decide that a payday loan is the right choice for you, TheGuaranteedLoans can help you get started. As a connector service, we work with a network of reputable lenders who can offer you competitive rates and terms. We’ll match you with a lender based on your specific needs and financial situation, and you can get your loan funds as soon as the next business day.

Keep in mind that while payday loans can be a helpful short-term financial solution, they should not be used as a long-term fix. You should only borrow what you can afford to pay back, and you should have a plan in place to repay the loan on time. If you need help managing your finances, consider talking to a financial advisor or credit counselor.

Interesting Facts and Statistics about Payday Loans in Midland, Ohio

Here are some verified facts and statistics about payday loans in Midland, Ohio:

  • In 2019, the average payday loan amount in Ohio was $347, and the average APR was 278%.
  • Ohio has one of the highest payday loan usage rates in the country, with 1 in 10 adults reporting that they have used a payday loan in the past year.
  • The payday loan industry generates an estimated $75 million in fees annually in Ohio, according to Pew Charitable Trusts.
  • A 2019 study by the National Bureau of Economic Research found that payday loan usage leads to increased bankruptcy rates and lower credit ratings for borrowers.

Now that you have a better understanding of what payday loans are and how they work, you can make an informed decision about whether they are the right choice for your financial situation. If you’re ready to apply for a payday loan in Midland, Ohio, visit TheGuaranteedLoans website today and fill out an online application.

Note: TheGuaranteedLoans is not a direct lender, but a connector service that matches borrowers with potential lenders. By submitting an application on our website, you agree to be connected with a lender who may offer you a loan.

F.A.Q.

What can I do if a payday lender is harassing me in Midland, Ohio?

If a payday lender is harassing you in Midland, Ohio, you can contact the Ohio Attorney General's Consumer Protection Section to report the harassment and request assistance. The Attorney General's office will investigate your complaint and, if necessary, take action to stop the harassment and protect your rights as a consumer.

Can a payday lender charge me a higher interest rate or fees than the legal limits in Midland, Ohio?

No, a payday lender cannot charge you a higher interest rate or fees than the legal limits in Midland, Ohio. If a lender is charging you more than the maximum allowed by law, you can contact the Ohio Attorney General's Consumer Protection Section to report the violation and request assistance.

Look for Short-Term Loans in Other Cities:

Akron Bowling Green Brunswick Canton Chillicothe Cincinnati Cleveland Columbus Cuyahoga Falls Dayton Delaware Dublin Elyria Euclid Fairborn Fairfield Findlay Grove City Hamilton Hilliard Lakewood Lancaster Lima Lorain Mansfield Marion Mason Massillon Mentor Middletown Newark North Olmsted North Ridgeville North Royalton Reynoldsburg Springfield Stow Strongsville Toledo Warren West Chester Westerville Westlake Youngstown
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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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