Payday Loans in Paris, Ohio

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

Company nameAddressZip codePhone number
ATM Consumers National Bank 1111 N Chapel St, Louisville, OH 44641 +1 (330) 359 - 1769
U.S. Bank ATM 200 N College St, Piqua, OH 45356 +1 (800) 872 - 2657
Fifth Third Bank & ATM 500 Chillicothe St, Portsmouth, OH 45662 +1 (740) 354 - 5300
CashMax Ohio 1071 Mt Vernon Ave, Marion, OH 43302 +1 (740) 751 - 4688
1st Choice Financial 1025 S Court St, Circleville, OH 43113 +1 (740) 420 - 0900
CheckSmart 5700 Youngstown Warren Rd, Niles, OH 44446 +1 (330) 544 - 6017
ATM First Federal Lakewood 20425 Center Ridge Rd, Rocky River, OH 44116 +1 (440) 895 - 9586
Ohio Loan Co. 1171 W Third St, Dayton, OH 45402 +1 (937) 228 - 5991
Cash Pal 203 Pike St, Marietta, OH 45750 +1 (740) 568 - 9790
Lendmark Financial Services LLC 1225 Woodlawn Ave 1/2, Cambridge, OH 43725 +1 (740) 439 - 3588

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Paris, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Canton, OH, Payday Loans in Cincinnati, OH, Payday Loans in Cleveland, OH, Payday Loans in Columbus, OH, Payday Loans in Cuyahoga Falls, OH, Payday Loans in Dayton, OH, Payday Loans in Delaware, OH and Short-term Loans in Dublin, 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 Paris, OH.

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

44669, 45347

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

Paris, OH payday loan calculator

Advise to read before applying

Payday Loans in Paris, Ohio: What You Need to Know

For residents of Paris, Ohio, payday loans can provide a quick and easy solution when you need extra funds to cover unexpected expenses between paychecks. While payday loans are legal in Ohio, it’s essential to understand the terms and regulations in this state to make informed borrowing decisions.

The Basics of Ohio Payday Loans

Payday loans are short-term cash loans that you can get when you need money quickly and can’t wait for your next paycheck. In Ohio, payday loans must be for $1,000 or less, and the loan term cannot exceed six months. The annual interest rate for payday loans in Ohio is capped at 28%, with an additional 60% annual fee. This fee is what makes Ohio payday loans cheaper than the average payday loan; for instance, the average payday loan issued in Alabama has an annual interest rate that can go up to 456%.

Ohio payday loan lenders must have a valid Short-Term Loan License from the Ohio Department of Commerce, and they must follow the laws regarding lending practices and loan terms. While these loans can be helpful in emergency situations, it’s important to pay them off as soon as possible to avoid more significant debt.

How to Apply for a Payday Loan in Paris, Ohio

The application process for a payday loan in Ohio is straightforward. You can apply online or at a storefront location, and you must have a valid ID, proof of income, and an active checking account. Your application will be evaluated by the lender, and if approved, you can expect to receive your loan within a few business days.

It’s crucial to carefully review the loan agreement, which will outline the loan terms, interest rate, and fees. Make sure you understand the repayment plan and the total cost of the loan.

The Risks of Payday Loans

While payday loans can be a valuable tool when you’re in a bind, they come with specific risks and downsides. One of the most significant concerns with payday loans is that the high-interest rates and fees can trap borrowers in a cycle of debt. If you can’t pay off the loan on time, you may have to roll it over, leading to additional fees and higher debt.

Additionally, payday loans don’t help you build credit, which means that if you’re working on improving your credit score, this type of loan won’t help.

Interesting Facts and Statistics about Payday Loans in Ohio

  • Ohio has the lowest average annual percentage rate for payday loans in the country, at 60%.
  • In 2019, Ohio payday loan borrowers paid an average of $185 in fees and interest for a $300 loan, according to the Ohio Department of Commerce.
  • According to a Pew Charitable Trusts report, 12 million Americans take out payday loans each year, with an average loan amount of $375.
  • In Ohio, the payday loan industry employs over 3,000 people and generates over $500 million in revenue annually.

Apply for a Payday Loan Today with TheGuaranteedLoans

If you need a payday loan in Paris, Ohio, TheGuaranteedLoans can help you connect with potential lenders. As a connector service, we work with a network of reputable lenders and can help you get the funds you need quickly and easily.

To apply for a payday loan, visit our website and fill out the online application form. We’ll pass along your information to potential lenders who can review your loan request and provide you with loan offers if you meet their requirements.

Remember, payday loans can be a helpful tool when used correctly, but they should be used sparingly and with care. Always read the loan agreement carefully and ensure that you can afford the loan and the associated fees before accepting an offer.

F.A.Q.

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

Yes, a payday lender can garnish your wages if you default on a payday loan in Paris, 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 Paris, 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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