Payday Loans in North Benton, Ohio

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

Company nameAddressZip codePhone number
Eagle Loan 335 N Lexington-Springmill Rd, Ontario, OH 44906 +1 (419) 528 - 5444
Regency Finance Company 6567 E Livingston Ave, Reynoldsburg, OH 43068 +1 (614) 552 - 5510
Waterford Bank, N.A. Loan Production Office 209 S Main St, Findlay, OH 45840 +1 (419) 720 - 3888
Huntington Bank 5 W North St, Springfield, OH 45504 +1 (937) 325 - 9221
Fifth Third Bank & ATM 4400 Liberty Ave, Vermilion, OH 44089 +1 (440) 967 - 6141
Loanmax Title Loans 1595 N Bridge St, Chillicothe, OH 45601 +1 (740) 571 - 4570
American Mortgage - Enon OH 48 W Main St, Enon, OH 45323 +1 (937) 864 - 0300
Quicken Title Loans 2350 W Laskey Rd, Toledo, OH 43613 +1 (419) 214 - 5626
CSE Federal Credit Union - Meyers Lake 1235 Whipple Ave NW, Canton, OH 44708 +1 (330) 452 - 9801
CheckSmart 170 N Wilson Rd, Columbus, OH 43204 +1 (614) 276 - 3334

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in North Benton, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Fairfield, OH, Payday Loans in Findlay, OH, Payday Loans in Grove City, OH, 24-Hour Loan in Hamilton, OH, Emergency Loan in Hilliard, OH, Payday Loans in Lakewood, OH, Payday Loan for Lancaster, OH and Payday Loans in Lima, 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 North Benton, OH.

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

44449

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

North Benton, OH payday loan calculator

Introduction

If you’re considering a payday loan in North Benton, Ohio, you may have questions about the process, laws, and regulations. Payday loans are legal and affordable in Ohio, but it’s important to understand the risks and responsibilities that come with these types of loans before applying.

What Is a Payday Loan?

A payday loan is a short-term, high-interest loan that’s designed to bridge the gap between paychecks. They’re typically easy to obtain, requiring only a few basic requirements like ID, bank account information, and proof of income. Payday loans are usually due on the borrower’s next payday and can be a quick way to get cash when you need it.

How Do Payday Loans Work?

When you apply for a payday loan, the lender will ask for your personal and financial information. Once you’re approved, they’ll deposit the funds directly into your bank account. It’s important to remember that payday loans come with high interest rates and fees, and can quickly become expensive if you don’t repay them on time.

Ohio Payday Loan Laws

In Ohio, payday loans are legal, but there are regulations in place to protect borrowers. The interest rates on payday loans in Ohio are capped at 28% APR, and lenders are limited in how much they can lend. Additionally, borrowers can’t take out more than one payday loan at a time, and there’s a limit on the number of times a loan can be renewed.

Risks and Responsibilities

While payday loans can be a quick way to get cash when you need it, they come with risks and responsibilities. High interest rates and fees can make payday loans expensive, and if you can’t repay the loan on time, you may face additional fees and penalties. It’s important to only borrow what you can afford to repay and to have a plan in place for repaying the loan on time.

Interesting Facts and Statistics About Payday Loans in North Benton, Ohio

  • Ohio has more than 1,000 payday lender locations, with an average loan amount of $300 and an average interest rate of 591% APR.
  • In 2019, Ohio borrowers took out more than 1.5 million payday loans, totaling nearly $500 million in borrowing.
  • The average Ohio payday borrower takes out 10 loans per year, spending more than 200 days in debt per year.

Apply Now

Ready to apply for a payday loan in North Benton, Ohio? TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we’ll work to find you a loan that fits your needs and your budget. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we’ll facilitate your connection with potential lenders. Apply now to get started.

F.A.Q.

Can I rollover or renew a payday loan in North Benton, Ohio if I cannot repay it on time?

No, you cannot rollover or renew a payday loan in North Benton, Ohio if you cannot repay it on time. However, you can request an extended payment plan from the lender, as long as you have not already used this option in the past 60 days.

Are there any restrictions on where payday loans can be taken out in North Benton, Ohio?

Yes, there are restrictions on where payday loans can be taken out in North Benton, Ohio. Payday lenders must be licensed by the Ohio Department of Commerce, and they must follow all state and federal laws, including the Truth in Lending Act and the Military Lending Act. Payday loans are not allowed to be taken out on military bases or on any property owned by the federal government.