Payday Loans in Okeana, Ohio

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

Company nameAddressZip codePhone number
Miami Savings Bank 8008 Ferry St, Miamitown, OH 45041 +1 (513) 353 - 1339
Loanmax Title Loans 211 N 4th St, Steubenville, OH 43952 +1 (740) 314 - 4848
Croghan Colonial Bank 147 W Water St, Oak Harbor, OH 43449 +1 (419) 898 - 5741
Advance America 765 W Market St, Troy, OH 45373 +1 (937) 332 - 0058
CES Credit Union 3030 OH-3, Loudonville, OH 44842 +1 (567) 203 - 5443
Pickaway County Banking Center 26 E Main St, Ashville, OH 43103 +1 (740) 983 - 2514
Fifth Third Bank & ATM 500 Chillicothe St, Portsmouth, OH 45662 +1 (740) 354 - 5300
The Citizens Bank Company 501 5th St, Beverly, OH 45715 +1 (740) 984 - 2381
Ohio Auto Loan Services, Inc. 2311 Gallia St, Portsmouth, OH 45662 +1 (740) 370 - 4290
AgCredit 1100 E Center St, Marion, OH 43302 +1 (740) 387 - 2270

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Okeana, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Youngstown, OH, Online Loans in Akron, OH, Payday Loans in Bowling Green, OH, Payday Loans in Brunswick, OH, Payday Loan Without a Credit Check in Canton, OH, Payday Loans in Cincinnati, OH, No Credit Check Loans in Cleveland, OH and Payday Loans in Columbus, 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 Okeana, OH.

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

45053

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

Okeana, OH payday loan calculator

Advise to read before applying

Payday Loans in Okeana, Ohio

If you are in need of quick financial assistance in Okeana, Ohio, a payday loan may be an option for you. Payday loans, also known as cash advances, are small short-term loans that borrowers repay on their next payday. Unlike traditional bank loans, payday loans have a simple application process and typically do not require a credit check.

Legal Status of Payday Loans in Ohio

Payday loans are legal in Ohio, but with certain restrictions. The Ohio Short-Term Loan Act regulates payday lending in the state. According to this law, lenders can charge a maximum interest rate of 28% on payday loans, and borrowers cannot take more than $500 in loans at a time. The loan term in Ohio must be at least 31 days.

How to Apply for a Payday Loan in Okeana, Ohio

Applying for a payday loan in Okeana, Ohio is a simple and straightforward process. To get started, you will need to provide some basic personal information, such as your name, address, employment status, and income. You will also need to have a checking account in good standing and a valid ID.

Once you have gathered this information, you can submit an online application through TheGuaranteedLoans website. Our service takes the hassle of searching for a lender out of the equation. Instead, we can connect you to hundreds of lenders who match your needs.

Benefits of Payday Loans

Payday loans can provide you with several benefits, including:

  • Quick access to cash: Unlike traditional loans, payday loans typically have a quick turnaround time, with funds potentially available the same day or the next business day.
  • Flexible eligibility requirements: Payday loans do not typically require a credit check, so borrowers with poor credit can still qualify.
  • Ease of application: The application process is typically simple and straightforward, and can be completed entirely online in some cases.

Interest Rates and Fees

As mentioned above, lenders in Ohio can charge a maximum interest rate of 28% on payday loans. Additionally, lenders can charge a maximum loan origination fee of 2% of the loan amount or $25, whichever is less. If a borrower fails to repay the loan on time, they may be subject to additional fees and charges.

Repaying a Payday Loan

Repaying a payday loan is typically a straightforward process. When you take out a payday loan, you will usually provide the lender with a post-dated check or authorize an electronic debit from your checking account. On the due date, the lender will cash the check or debit your account for the full loan amount plus any fees and interest.

Interesting Facts and Statistics about Payday Loans in Okeana, Ohio

  • In 2019, Ohioans took out 1.3 million payday loans, totaling over $400 million in principal.
  • The average APR for payday loans in Ohio is 591%, which is one of the highest rates in the country.
  • In Ohio, the average borrower takes out 10 payday loans per year.

Apply Now

If you are in need of quick financial assistance and are considering a payday loan, you can apply through TheGuaranteedLoans. We are a connector service that can connect you to hundreds of lenders who match your needs. Remember that payday loans are designed for short-term financial assistance and should not be used as a long-term financial solution. Additionally, be sure to read the terms and conditions carefully before signing any loan agreements.

F.A.Q.

Can a payday lender garnish my wages if I default on a payday loan in Okeana, Ohio?

Yes, a payday lender can garnish your wages if you default on a payday loan in Okeana, Ohio. However, the lender must first obtain a court order, and they can only garnish up to 25% of your disposable earnings per week. You have the right to request a hearing to challenge the garnishment, and you cannot be fired from your job for having your wages garnished.

What is a payday loan in Okeana, Ohio?

A payday loan is a short-term, high-interest loan that is typically used to cover unexpected expenses or to bridge a financial gap until the borrower's next payday.

Look for Short-Term Loans in Other Cities:

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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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