Payday Loans in Mount Sterling, Ohio

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

Company nameAddressZip codePhone number
Huntington Mortgage Group 8 E Main St, Seville, OH 44273
U.S. Bank ATM - Lucas 8 E Main St, Lucas, OH 44843 +1 (800) 872 - 2657
U.S. Bank ATM - Mentor East 9572 Mentor Ave, Mentor, OH 44060 +1 (800) 872 - 2657
Woodforest National Bank 3200 Atlantic Blvd NE, Canton, OH 44705 +1 (330) 456 - 2152
Pickaway County Banking Center 1 Main St, Commercial Point, OH 43116 +1 (614) 877 - 3240
Brookville Building & Savings 510 Arlington Rd, Brookville, OH 45309 +1 (937) 833 - 2176
Wes Banco Bank 717 Reading Rd, Mason, OH 45040 +1 (513) 398 - 5196
Fairway Independent Mortgage Corporation 3070 W Market St, Fairlawn, OH 44333 +1 (330) 801 - 5233
Chase Mortgage 205 W Market St, Celina, OH 45822 +1 (419) 586 - 6668
Superior Auto, Inc 8682 State Route 66 North, Defiance, OH 43512 +1 (567) 218 - 1500

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mount Sterling, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Cincinnati, OH, Payday Loan for Cleveland, OH, Payday Loans in Columbus, OH, Online Loans in Cuyahoga Falls, OH, Payday Loan for Dayton, OH, Guaranteed Loans in Delaware, OH, Payday Loans in Dublin, OH and Payday Loan Without a Credit Check in Elyria, 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 Mount Sterling, OH.

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

43143

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

Mount Sterling, OH payday loan calculator

Advise to read before applying

Payday Loans in Mount Sterling, Ohio: A Comprehensive Guide

Payday loans are a type of short-term loan that can provide quick access to cash. These loans are meant to be repaid on the borrower’s next payday, which typically involves a paycheck or other source of income. While payday loans can be a useful tool for those in need of quick cash, it’s important to understand the laws and regulations surrounding these loans in Ohio, specifically in the town of Mount Sterling.

The Legality of Payday Loans in Mount Sterling, Ohio

Payday loans are legal in Ohio, at a low cost. In fact, Ohio has some of the strictest payday loan regulations in the country.

According to The Ohio Department of Commerce’s Division of Financial Institutions, the maximum amount a lender can charge for a payday loan in Ohio is $1,000. Additionally, the loan term cannot exceed 31 days, and the interest rate must be capped at 28% per annum.

It’s important to note that while payday loans are legal in Mount Sterling, it’s essential to use caution when taking out these loans. High-interest rates and short repayment terms can quickly lead to a cycle of debt that can be difficult to break.

How to Apply for a Payday Loan in Mount Sterling, Ohio

If you’re in need of quick cash in Mount Sterling, Ohio, you may be considering a payday loan. To apply for a payday loan, you’ll need to provide proof of income, a government-issued ID, and a checking account. Additionally, lenders may require a post-dated check for the loan amount plus fees.

It’s important to compare multiple payday loan lenders to ensure you’re getting the best deal possible. While payday loan lenders in Ohio are regulated, fees and interest rates can vary. Using a loan connecting service, like TheGuaranteedLoans, can help you find the best lender for your specific needs.

The Pros and Cons of Payday Loans in Mount Sterling, Ohio

Payday loans can provide quick access to cash when it’s needed most. However, these loans also come with some significant drawbacks.

Pros:

  • Quick access to cash
  • No credit check required
  • Can be helpful for emergencies or unexpected expenses
  • May be a good option for those who do not have access to traditional loans or credit cards

Cons:

  • High-interest rates
  • Short repayment terms
  • Can trap borrowers in a cycle of debt
  • May lead to overdraft fees or other financial complications

Interesting Facts and Statistics about Payday Loans in Mount Sterling, Ohio

  • Ohio has some of the strictest payday loan regulations in the country
  • The average payday loan borrower in Ohio takes out more than 10 loans per year
  • According to a report from The Pew Charitable Trusts, over 80% of payday loans in Ohio are taken out within two weeks of repayment of a previous payday loan

Apply Now with TheGuaranteedLoans

If you’re in need of a payday loan in Mount Sterling, Ohio, consider using TheGuaranteedLoans as your loan connection service. Our simple online application process can help you connect with reputable lenders, ensuring you get the best deal possible. Remember, we are a connector service, not a direct lender, and we’re committed to helping you find the loan that works best for your specific needs.

Don’t let a financial emergency cause unnecessary stress. Apply now with TheGuaranteedLoans to take the first step toward getting the cash you need when you need it most.

F.A.Q.

What is a payday loan in Mount Sterling, Ohio?

A payday loan is a short-term loan that is typically used to cover unexpected expenses or financial emergencies. These loans are typically for small amounts of money, and are repaid on the borrower's next payday.

Are payday loans legal in Mount Sterling, Ohio?

Yes, payday loans are legal in Mount Sterling, Ohio. However, there are certain regulations that must be followed by lenders, including a maximum loan amount of $1,000 and a maximum loan term of 31 days.

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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