Payday Loans in Orient, Ohio

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

Company nameAddressZip codePhone number
CheckSmart 1069 Linden Ave, Zanesville, OH 43701 +1 (740) 450 - 7720
Aur Group Financial CU 8811 Holden Blvd, Fairfield, OH 45014 +1 (513) 942 - 4422
Huntington Bank 8 E Main St, Seville, OH 44273 +1 (330) 769 - 2077
Unified Bank 1321 E Main St, Lancaster, OH 43130 +1 (740) 654 - 5100
River City Jewelry & Pawn 1009 Washington Blvd, Belpre, OH 45714 +1 (740) 423 - 5626
America's Loan Company 116 S Main St, London, OH 43140 +1 (740) 845 - 0745
Peoples Bank 349 3rd Ave, Gallipolis, OH 45631 +1 (740) 446 - 0902
Advance America 9315 OH-14 c, Streetsboro, OH 44241 +1 (330) 626 - 2901
Belmont Savings Bank 915 E Main St, Barnesville, OH 43713 +1 (740) 425 - 1901
Walmart Money Center 540 Harry Sauner Rd, Hillsboro, OH 45133

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Orient, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lancaster, OH, Payday Loan Without a Credit Check in Lima, OH, Online Loans in Lorain, OH, Payday Loans in Mansfield, OH, Payday Loan Without a Credit Check in Marion, OH, No Credit Check Loans in Mason, OH, Bad Credit Loans in Massillon, OH and Bad Credit Loans in Mentor, 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 Orient, OH.

Beautiful sights of Orient, OH

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

43146

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

Orient, OH payday loan calculator

Understanding Payday Loans in Orient, Ohio

For many people across the state of Ohio, payday loans have become a reliable source of quick cash when emergencies arise. In Orient, Ohio, payday loans are legal and come at a lower cost than in other states. In this article, we will explore the world of payday loans in Orient, Ohio, to help you make informed decisions about borrowing money when you need it.

What Are Payday Loans?

Payday loans are a short-term form of borrowing that allows you to access money quickly, with the expectation that you will repay the loan with your next paycheck. These loans are designed to bridge the gap between pay periods when you need cash the most. Payday loans in Orient, Ohio, are legal, but with restrictions.

How Do Payday Loans Work in Ohio?

In Orient, Ohio, payday lenders must follow strict laws and regulations to ensure that borrowers are protected from predatory lending practices. The maximum amount of money that you can borrow is $1,000, and the loan term cannot exceed 31 days. Lenders can charge a maximum of 28% annual percentage rate (APR) plus a maximum of $1.08 in interest per $100 borrowed. This means that if you borrow $100 for 14 days, the lender can only charge you $16.08 in interest and fees.

Who Can Apply for Payday Loans in Orient, Ohio?

To apply for a payday loan in Orient, Ohio, you must be at least 18 years old and have proof of income. Most lenders require that you have a checking account to receive the loan funds and repay the loan. You will also need to provide proof of residency, such as a utility bill or lease agreement.

What Are the Pros and Cons of Payday Loans in Orient, Ohio?

Like any form of borrowing, payday loans have both advantages and disadvantages. Here are some of the pros and cons of payday loans in Orient, Ohio:

Pros:

  • Quick and easy access to cash
  • No credit check required
  • No collateral required
  • You can use the loan for any purpose

Cons:

  • High interest and fees
  • Short repayment terms can lead to a cycle of debt
  • Potential for predatory lending practices
  • Can harm your credit score if the loan is not paid back on time

Interesting Facts and Statistics About Payday Loans in Orient, Ohio

Did you know that the average payday loan borrower in Ohio takes out 12 loans per year? Or that payday lenders in Ohio charge an average interest rate of 591%? Here are some more interesting facts and statistics about payday loans in Orient, Ohio:

– The highest annual percentage rate (APR) charged for a payday loan in Ohio is 677%.

– The number of payday loans issued in Ohio has decreased by 73% since the state passed legislation to regulate the industry in 2018.

– In 2019, payday lenders in Ohio made more than $185 million in fees and interest charges.

Apply Now

If you need cash quickly and have decided that a payday loan is right for you, click the “Apply Now” button to be connected with potential lenders through TheGuaranteedLoans. Please keep in mind that TheGuaranteedLoans is not a direct lender and we do not make credit decisions. We are a connector service that can help you find a lender who meets your needs.

Conclusion

Payday loans can provide a helpful financial safety net for Orient, Ohio residents who need cash quickly. However, borrowing money always comes with risks and responsibilities. It’s important to understand the pros and cons of payday loans, as well as the laws and regulations in your state, before making any decisions. By using this information, you can make informed decisions about your financial future.

F.A.Q.

What is a payday loan in Orient, 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 Orient, Ohio?

Yes, payday loans are legal in Orient, 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.