Payday Loans in Ohio City, Ohio

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No payday loan companies in Ohio City, OH. Consider companies in other cities:

Company nameAddressZip codePhone number
Huntington Bank 8 E Main St, Seville, OH 44273 +1 (330) 769 - 2077
Covenant Financial Advisors 785 Dover Rd NE, Sugarcreek, OH 44681 +1 (330) 852 - 7800
M & M Pawn & Loan LLC 315 North St, Lancaster, OH 43130 +1 (740) 653 - 4800
Morgan Stanley Smith Barney 110 N Main St 1100, Dayton, OH 45402 +1 (937) 223 - 6111
WesBanco Bank 500 3rd Ave, Gallipolis, OH 45631 +1 (740) 446 - 0315
American Chevrolet Buick GMC 901 Dixie Hwy, Wapakoneta, OH 45895 +1 (419) 954 - 0651
Peoples National Bank 44 Smithfield St, Dillonvale, OH 43917 +1 (740) 769 - 2338
Unified Bank 15 Sherrod Ave, Sherrodsville, OH 44675 +1 (740) 269 - 8421
E Z Mortgage Loans Inc 419 Vernon St, Ironton, OH 45638 +1 (740) 533 - 3400
Loan Protector 6001 Cochran Rd # 401, Solon, OH 44139 +1 (440) 498 - 9370

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ohio City, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Springfield, OH, Payday Loans in Stow, OH, Payday Loans in Strongsville, OH, Payday Loans in Toledo, OH, Payday Loans in Warren, OH, Short-term Loans in West Chester, OH, Payday Loan Companies in Westerville, OH and Payday Loans in Westlake, 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 Ohio City, OH.

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Payday Loans Available in Ohio City, OH By The Following ZIP Codes:

45874

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

Ohio City, OH payday loan calculator

Advise to read before applying

Payday Loans in Ohio City, Ohio: Everything You Need to Know

Are you struggling to make ends meet in Ohio City, Ohio? Are you experiencing a financial emergency and not sure where to turn? One option you might consider is a payday loan. Payday loans are a popular form of short-term lending that can provide you with quick access to the cash you need.

How Do Payday Loans Work in Ohio City, Ohio?

In Ohio City, Ohio, payday loans are legal and regulated by state law. Ohio is one of the states with the lowest maximum interest rates, which means you can find affordable options to get extra cash. Here’s how they work:

  • You apply for a payday loan online or in-person at a participating lender
  • You provide proof of income, a valid ID, and a checking account number
  • You sign a loan agreement outlining the terms of the loan
  • You receive the cash you need
  • On your next payday, you repay the loan plus interest and fees

It’s important to remember that payday loans are short-term loans that come with high interest rates and fees. It’s crucial that you only borrow what you can afford to pay back on your next payday. Failing to do so can lead to a cycle of debt that can be difficult to break free from.

What Are the Requirements for Getting a Payday Loan in Ohio City, Ohio?

The requirements for payday loans in Ohio City, Ohio are relatively simple. You must:

  • Be at least 18 years old
  • Have a valid ID
  • Be a US citizen or have permanent residency
  • Have proof of income
  • Have an active checking account

Keep in mind that each lender may have slightly different requirements, and it’s essential to read all the fine print before agreeing to a loan. Always make sure you understand the interest rates, fees, and terms of the loan before signing anything.

The Benefits and Risks of Payday Loans in Ohio City, Ohio

Payday loans in Ohio City, Ohio can provide many benefits, including:

  • Quick access to cash when you need it most
  • No credit check required
  • Easy application process
  • Regulated by state law to ensure fair lending practices

However, it’s important to understand the potential risks associated with these loans, including:

  • High-interest rates and fees
  • Potential to trap you in a cycle of debt
  • May only provide temporary relief for financial struggles
  • May not be a long-term solution to your financial problems

Interesting Facts About Payday Loans in Ohio City, Ohio

  • Ohio lawmakers passed a law in 2018 to curb predatory lending practices, which made payday loans more affordable and accessible to Ohioans in need of quick cash.
  • According to a Pew report, Ohio has one of the highest payday loan usage rates in the country.
  • Approximately 1 in 10 Ohioans have taken out a payday loan, and nearly a third of those borrowers end up defaulting on their loans.

Apply Now for a Payday Loan in Ohio City, Ohio

If you’re considering a payday loan in Ohio City, Ohio, TheGuaranteedLoans can help you find the right lender. Our website is a connector service that matches borrowers with potential lenders based on their unique needs. We offer a quick and easy online application process and can help you get the cash you need in as little as one business day.

Remember, payday loans should only be used for emergencies and unexpected expenses. You should always explore all your options and alternatives before taking out any loans.

Apply now and see what payday loans in Ohio City, Ohio can do for you!

F.A.Q.

Can I file a complaint against a payday lender in Ohio City, Ohio if I feel that they have violated state or federal laws?

Yes, you can file a complaint against a payday lender in Ohio City, Ohio if you feel that they have violated state or federal laws. You can file a complaint with the Ohio Department of Commerce, the Consumer Financial Protection Bureau, or the Federal Trade Commission.

What happens if I default on a payday loan in Ohio City, Ohio?

If you default on a payday loan in Ohio City, Ohio, the lender may use collection methods, such as contacting you by phone or mail, reporting the debt to credit bureaus, or garnishing your wages, to collect the debt. Defaulting on a payday loan can also damage your credit score and make it more difficult to obtain credit in the future.

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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