Payday Loans in New Marshfield, Ohio

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

Company nameAddressZip codePhone number
Huntington Bank 6254 S Main St, North Kingsville, OH 44068 +1 (440) 224 - 2194
Loanmax Title Loans 211 N 4th St, Steubenville, OH 43952 +1 (740) 314 - 4848
Loanmax Title Loans 1435 Park Ave W, Mansfield, OH 44906 +1 (419) 775 - 4821
Title Agency of Cambridge Inc 819 Steubenville Ave, Cambridge, OH 43725 +1 (740) 432 - 6396
Twin Valley Bank 2 E Dayton St, West Alexandria, OH 45381 +1 (937) 839 - 4628
Friendly Bremen Banking Center 119 W Main St, Bremen, OH 43107 +1 (740) 569 - 4121
Unified Bank 15 Sherrod Ave, Sherrodsville, OH 44675 +1 (740) 269 - 8421
First American Loans 61600 Southgate Road, Suite 106-F, Cambridge, OH 43725 +1 (740) 435 - 3445
KeyBank 33275 Aurora Rd, Solon, OH 44139 +1 (440) 349 - 0707
First National Bank-Dennison 824 Boulevard St, Dover, OH 44622 +1 (330) 364 - 8671

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in New Marshfield, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Brunswick, OH, Payday Loans in Canton, OH, Payday Loans in Cincinnati, OH, Payday Loan Companies in Cleveland, OH, Guaranteed Loans in Columbus, OH, Payday Loans in Cuyahoga Falls, OH, Online Loans in Dayton, OH and Payday Loans in Delaware, 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 Marshfield, OH.

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

45766

Are Payday Loans Legal In New Marshfield, 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 Marshfield, 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 Marshfield, Ohio. There's a default limit of $1,000 in New Marshfield, 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 Marshfield, OH payday loan calculator

Advise to read before applying

Understanding Payday Loans in New Marshfield, Ohio

Payday loans have become a popular financial option among residents of New Marshfield, Ohio. These loans offer a fast and convenient way for people to access funds when they are in a financial bind. However, it is important to understand the ins and outs of payday loans before applying.

What Are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. These loans are typically for small amounts, ranging from a few hundred to a few thousand dollars. Payday loans are typically unsecured, which means that the lender does not require collateral in the form of property or assets.

The application process for payday loans is usually simple and fast. Borrowers can apply online or in-person and can receive funds within a matter of hours or days. In Ohio, payday loans are legal, but they must adhere to specific regulations to protect consumers.

Regulations of Payday Loans in Ohio

In Ohio, payday loans are legal, but there are several regulations that govern the industry. The Ohio Short-Term Loan Act imposes specific restrictions on payday lenders to protect consumers. The act requires that payday loans:

  • Have a maximum term of 31 days
  • Not exceed $1,000
  • Have a maximum interest rate of 28%
  • Have a maximum origination fee of 2% of the loan amount

Additionally, payday lenders are required to be licensed and must follow specific guidelines when it comes to disclosing fees and payment terms. The Ohio attorney general recommends that borrowers carefully review the terms and conditions of any payday loan before signing a contract.

Interest Rates and Fees of Payday Loans in Ohio

The interest rates and fees for payday loans in Ohio are regulated by state law. As mentioned above, payday loans in Ohio cannot have an annual percentage rate (APR) higher than 28%. This means that borrowers will not be charged more than $28 in interest and fees for every $100 borrowed.

However, it is important to note that APRs do not always accurately reflect the cost of a payday loan. Since payday loans are typically for a short period of time, the fees and interest rates may seem insignificant at first glance. But the cost of borrowing can quickly add up if the loan is not paid back on time. Late fees and other penalties can also apply.

Before taking out a payday loan, borrowers should carefully review the loan agreement to understand the total cost of borrowing. It is also recommended that borrowers compare rates and fees from multiple lenders.

Benefits of Payday Loans

While payday loans may have a reputation for being risky and expensive, they can offer several benefits in the right situation. For example, payday loans can:

  • Provide fast access to cash
  • Be easier to qualify for than other types of loans
  • Be available to borrowers with bad credit or no credit history

Payday loans can be useful for people who need a small amount of cash quickly and do not have access to other forms of credit. However, borrowers should carefully consider the cost of borrowing and the potential impact on their finances before taking out a payday loan.

Interesting Facts and Statistics about Payday Loans in New Marshfield, Ohio

  • In 2019, Ohio residents took out 1.7 million payday loans, totaling $430 million in loans.
  • The average payday loan in Ohio was $254 and had an average APR of 287%.
  • Residents of Athens County, where New Marshfield is located, took out 19,000 payday loans in 2020.

Apply Now

If you are considering a payday loan in New Marshfield, Ohio, TheGuaranteedLoans can help you connect with potential lenders. Our online application process is fast and easy, and we work with a network of reputable lenders who can provide competitive rates and terms.

Please note that TheGuaranteedLoans is not a direct lender. As a connection service, we work to match borrowers with potential lenders. We also recommend that borrowers carefully review the terms and conditions of any loan agreement before signing.

Apply now to get started on your payday loan application with TheGuaranteedLoans.

F.A.Q.

Can I be charged late fees if I cannot repay a payday loan in New Marshfield, Ohio on time?

No, you cannot be charged late fees if you cannot repay a payday loan in New Marshfield, Ohio on time. However, you may be charged a one-time returned check fee if your check bounces or your electronic payment is not processed.

Are there any limits on the amount that can be borrowed with a payday loan in New Marshfield, Ohio?

Yes, there are limits on the amount that can be borrowed with a payday loan in New Marshfield, Ohio. The maximum loan amount is $1,000, and the maximum loan term is 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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