Payday Loans in North Robinson, Ohio

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

Company nameAddressZip codePhone number
Park National Bank: Coshocton Plaza Office 100 Downtowner Plaza, Coshocton, OH 43812 +1 (740) 623 - 0114
Homeland Credit Union 25 Consumer Center Dr, Chillicothe, OH 45601 +1 (740) 775 - 3331
WesBanco Bank 8550 OH-339, Barlow, OH 45784 +1 (740) 678 - 2353
KeyBank 58 S Maple St, Orwell, OH 44076 +1 (440) 624 - 3001
Peoples Bank 1 N Court St, Athens, OH 45701 +1 (740) 597 - 2003
Southeastern Ohio Credit Union 1106 4th St, Marietta, OH 45750 +1 (740) 373 - 3681
Mariner Finance 2720 Elida Rd Suite 144, Lima, OH 45805 +1 (567) 289 - 4051
Cashland 42 Hocking Mall, Logan, OH 43138 +1 (740) 380 - 3976
U.S. Bank ATM - Van Wert 818 S Shannon St, Van Wert, OH 45891 +1 (419) 238 - 6522
Robert W Baird & Co 8748 Brecksville Rd 220, Cleveland, OH 44141 +1 (440) 746 - 0740

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in North Robinson, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Grove City, OH, Payday Loans in Hamilton, OH, Payday Loans in Hilliard, OH, Payday Loans in Lakewood, OH, Payday Loans in Lancaster, OH, 24-Hour Loan in Lima, OH, Payday Loans in Lorain, OH and Guaranteed Loans in Mansfield, 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 Robinson, OH.

Beautiful sights of North Robinson, OH

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

44856

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

Understanding Payday Loans in North Robinson, Ohio

For many low-income families in North Robinson, Ohio, payday loans have become a quick and straightforward way to access cash when dealing with financial emergencies. One of the reasons why payday loans are popular in Ohio is because they are legal when offered at low-cost rates. However, it’s important to understand the potential risks and benefits of payday loans before considering this lending option. In this article, we’ll explore how payday loans work in Ohio and what you need to know before applying.

What are Payday Loans?

Payday loans are small-dollar, short-term loans that typically range from $50 to $1,000. These loans are usually due on your next payday, hence the name “payday loan.” In exchange for a lump sum of cash, the borrower agrees to repay the loan with interest and fees within a few weeks.

To obtain a payday loan, the lender typically requires a few documents such as proof of income, a checking account, and employment information. Your credit score may have minimal, if any, impact on your loan eligibility.

The Cost of Payday Loans in North Robinson, Ohio

Ohio has implemented strict regulations on payday lending to protect borrowers from predatory lending practices. Payday loans in Ohio cannot exceed $1,000, and the annual percentage rate (APR) interest rate is capped at 28%. Moreover, the maximum loan term is 6 months, and the lender cannot charge more than 2.5% of the loan amount as a finance charge. And, before getting any money from payday lenders, borrowers have to sign a contract which will clearly state the interest rates and fees applicable to their specific loan.

It’s important to note that while Ohio’s payday loan regulations are designed to prevent payday loan sharks from taking advantage of vulnerable people, borrowers should still exercise caution when choosing a lender.

Benefits of Payday Loans in North Robinson, Ohio

Payday loans can be beneficial for people who need quick cash to cover their expenses. Payday loans can be approved within hours, even minutes, making them a fast solution to an emergency. Additionally, payday lenders don’t require a credit check, making it possible for people with bad credit history to obtain a loan.

Risks of Payday Loans in North Robinson, Ohio

Despite their benefits, payday loans can have significant risks. High interest rates and fees are associated with payday loans, which can make it difficult for borrowers to repay on time, leading them to incur further debt. If borrowers are unable to pay their debt, additional fees and interest rates will be added on, creating a cycle of debt from which it’s difficult to escape. Because of these risks, it’s recommended that payday loans should only be used as a last resort to address short-term financial emergencies.

Interesting Facts About Payday Loans in North Robinson, Ohio:

  • Ohio’s payday loan industry was regulated by the state legislature in 2018, making Ohio the 19th state to regulate payday lending.
  • In 2019 alone, the payday lending industry handed over $11 million to Ohio politicians and political action committees to prevent more regulations from being enacted.
  • The average payday loan amount in Ohio is $322, and Ohioans pay an average APR of 467% on these loans.
  • Approximately 1 million payday loans are issued to Ohio borrowers annually which generates $502 million in fees.

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in North Robinson, Ohio, TheGuaranteedLoans can help. We are a leading online payday loan connector service that is here to help match you with the right lender. Apply online today and get connected with reputable lenders that offer competitive rates, transparent terms, and never charge hidden fees. Remember that TheGuaranteedLoans is not a direct lender, but we are committed to our customers’ financial well-being. Our team is ready to assist you throughout the loan process.

Don’t let unexpected financial emergencies cause undue stress. Apply today with TheGuaranteedLoans, and get on the way to securing the financial assistance you need.

F.A.Q.

What is a payday loan in North Robinson, 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 North Robinson, Ohio?

Yes, payday loans are legal in North Robinson, 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.