Payday Loans in New Athens, Ohio

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

Company nameAddressZip codePhone number
Sutton Bank 719 W Market St, Tiffin, OH 44883 +1 (419) 448 - 9000
Greenville Pawn & Jewelry 126 W 4th St, Greenville, OH 45331 +1 (937) 548 - 1200
Superior Credit Union 203 N Sandusky St, Tiffin, OH 44883 +1 (419) 447 - 5929
Farmer's National Bank 4934 Kidron Rd, Apple Creek, OH 44606
U.S. Bank Branch 901 Elida Ave, Delphos, OH 45833 +1 (419) 692 - 1171
Wayne Dodds - Raymond James 1655 Tiffin Ave, Findlay, OH 45840 +1 (419) 427 - 1000
Medina County Federal Credit Union 1136 Pearl Rd, Brunswick, OH 44212 +1 (330) 334 - 1023
Creative Planning, Inc. 3805 Edwards Rd, Cincinnati, OH 45209 +1 (866) 909 - 5148
Huntington Bank 135 E Liberty St, Wooster, OH 44691 +1 (330) 263 - 3230
First American Loans 3501 Mahoning Avenue NW, Warren, OH 44483 +1 (330) 847 - 7287

Payday Loan Companies in Nearby Cities

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

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

43981

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

New Athens, OH payday loan calculator

Payday loans are a type of short-term, high-interest loan meant to help individuals bridge the gap between paychecks. These loans are often marketed as a quick fix for unexpected expenses, such as car repairs or medical bills, but can be incredibly costly due to their high interest rates and fees. In Ohio, payday lending is legal, but there are restrictions on interest rates and fees that lenders can charge.

Payday Loans in New Athens, Ohio

New Athens, Ohio is a small town located in Harrison County, with a population of approximately 320 residents. Despite its small size, there are several payday lending storefronts located in the area. While payday loans can seem like a convenient solution to unexpected financial difficulties, it’s important to understand the potential risks of these types of loans.

How Payday Loans Work

Payday loans typically have a repayment term of two weeks to a month, depending on the lender’s terms. To qualify for a payday loan, borrowers must provide proof of income, a valid ID, and a checking account. Lenders will typically require a post-dated check or an electronic debit authorization as collateral for the loan.

Once the loan is approved, borrowers receive cash or a direct deposit into their checking account. When the due date arrives, the lender cashes the post-dated check or debits the borrower’s account for the loan amount plus fees and interest.

Ohio Payday Loan Laws

In Ohio, payday lending is regulated by the Short-Term Loan Act, which establishes rules for lenders and limits the amount of fees and interest they can charge. According to the law, payday lenders can charge a maximum interest rate of 28% per annum, with a maximum loan term of 31 days and a maximum loan amount of $1,000.

Ohio law also prohibits lenders from rolling over loans, meaning that borrowers cannot receive a new loan until the previous one is paid off. This helps prevent borrowers from getting stuck in a cycle of debt.

The Risks of Payday Loans

While payday loans can provide quick cash when you need it, they come with risks that borrowers should be aware of. High interest rates and fees can make payday loans very expensive and difficult to repay. If you cannot repay your loan on time, the lender may charge additional fees and interest, leading to a cycle of debt that can be difficult to escape.

Payday loans can also be a tempting option for those with bad credit or no credit history, but taking out a payday loan can actually harm your credit score in the long run if you are unable to repay the loan on time. This can make it more difficult to obtain credit in the future and potentially limit your financial options.

Alternatives to Payday Loans

If you need cash quickly, there are alternatives to payday loans that can help you avoid the high costs and risks. For example:

  • Ask your employer for an advance on your paycheck
  • Consider a credit card cash advance
  • Request a payment plan from your creditors
  • Apply for a personal loan from a bank or credit union

These options may not provide instant cash like a payday loan, but they can be more affordable and less risky in the long run.

Interesting Facts and Statistics About Payday Loans in New Athens, Ohio

  • New Athens, Ohio is home to several payday lending storefronts
  • The average payday loan in Ohio is $318
  • Ohio’s Short-Term Loan Act took effect in April 2019
  • Ohio payday loan borrowers pay an average of 591% in interest and fees, according to the Ohio Coalition for Responsible Lending
  • Between 2010 and 2017, Ohio payday lenders spent more than $20 million on campaign contributions and lobbying efforts in the state

Apply Now

If you need cash quickly, TheGuaranteedLoans can help you connect with potential lenders who offer payday loans and other short-term financial solutions. Our service is free to use and can save you time and effort compared to applying for loans directly with multiple lenders.

Remember, payday loans can be expensive and risky, so it’s important to understand the terms and fees before you borrow. If you have any questions or concerns about payday loans or other financial products, our team is available to assist you.

To apply for a loan, simply fill out our online application on our website. We’ll review your information and connect you with potential lenders who may be able to provide the cash you need.

At TheGuaranteedLoans, we are committed to providing you with the information and resources you need to make informed financial decisions. We strive to maintain a high level of transparency and professionalism in all aspects of our business.

F.A.Q.

What happens if I cannot repay my payday loan in New Athens, Ohio?

If you cannot repay your payday loan in New Athens, Ohio, you may be subject to late fees, collection efforts, and legal action. It is important to contact your lender as soon as possible to discuss your options and avoid defaulting on your loan.

Can I get a payday loan in New Athens, Ohio if I have filed for bankruptcy?

Yes, you can still get a payday loan in New Athens, Ohio if you have filed for bankruptcy, as long as you can provide proof of income and meet the lender's other requirements.