Payday Loans in Petersburg, Ohio

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

Company nameAddressZip codePhone number
National Cash Advance 3105 Belmont Ave, Youngstown, OH 44505 +1 (330) 759 - 4628
Eagle Loan 4350 OH-128 G, Cleves, OH 45002 +1 (513) 353 - 0941
Dollar Bank 26065 Lorain Rd, North Olmsted, OH 44070 +1 (440) 777 - 0016
First Insurance Group 4350 Navarre Ave A, Oregon, OH 43616 +1 (419) 691 - 2451
The Payday Light 217 Brookwood Dr, Englewood, OH 45322 +1 (937) 203 - 1361
First Financial Bank 4079 Hamilton Cleves Rd, Fairfield, OH 45014 +1 (513) 785 - 2500
Walmart Money Center 1974 Havemann Rd, Celina, OH 45822
Nicholas Financial Inc 5828 Wilmington Pike, Dayton, OH 45459 +1 (937) 310 - 8135
Fifth Third Bank & ATM 511 N High St, Hillsboro, OH 45133 +1 (937) 840 - 5353
ACE Cash Express 15500 Euclid Ave, East Cleveland, OH 44112 +1 (216) 268 - 4100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Petersburg, OH, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Lima, OH, Payday Loans in Lorain, OH, Payday Loan Companies in Mansfield, OH, Payday Loans in Marion, OH, Payday Loan for Mason, OH, Payday Loans in Massillon, OH, Payday Loans in Mentor, OH and Payday Loan for Middletown, 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 Petersburg, OH.

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

Petersburg, OH payday loan calculator

Advise to read before applying

Payday Loans in Petersburg, Ohio

When you need quick cash to cover an unexpected expense in Petersburg, Ohio, a payday loan may be a viable solution. These loans provide short-term, small-dollar funding to help you bridge the financial gap until your next paycheck arrives. However, it’s essential to understand the terms and requirements of payday loans before applying.

How Payday Loans Work in Petersburg, Ohio

In Ohio, payday loans are legal under the Ohio Revised Code Ann. § 1321.35 et seq. This code limits the charges that lenders can impose on borrowers and sets the maximum loan amount at $1,000, with a maximum term of 90 days.

To qualify for a payday loan, you must meet certain criteria such as:

  • Be at least 18 years old
  • Have a valid government-issued ID
  • Show proof of income and employment
  • Have an active checking account

The process of applying for a payday loan in Petersburg, Ohio is relatively simple. You can start by filling out an online application on our website, TheGuaranteedLoans – a connector service that will link you with lenders who match your specific needs and requirements. Once you submit your application, the lender will review it and provide you with their loan offer if you meet their criteria. Terms and conditions vary depending on the lender, so it’s vital to review them carefully.

Benefits of Payday Loans in Petersburg, Ohio

Payday loans have several potential benefits, such as:

  • Quick access to cash: You can get approved for a payday loan in as little as a few minutes and receive the funds within one business day.
  • No collateral required: Unlike traditional bank loans, which may require collateral, payday loans are typically unsecured, meaning you don’t have to put any assets at risk.
  • No credit check: Payday lenders in Petersburg, Ohio don’t run a hard credit check, which can be beneficial if you have poor credit.
  • Ease of qualification: Payday loans have accessible eligibility requirements, so many people can qualify for this type of funding.

Risks of Payday Loans in Petersburg, Ohio

Although payday loans can provide quick cash, they also come with certain risks, including:

  • High-interest rates: Lenders in Ohio can charge up to 28% interest, which can result in high repayment amounts.
  • Short repayment term: The repayment term for payday loans in Ohio is 90 days, which can be challenging for some borrowers to meet.
  • Cycle of debt: If you are unable to repay your loan on time, you may be subject to additional fees and interest charges, leading to a cycle of debt.

Interesting Facts and Statistics about Payday Loans in Petersburg, Ohio?

  • Among Ohio payday loans, the average loan amount is $318, and the average fee is $72
  • In Ohio, payday lenders can charge 28% interest and an additional $20 for insufficient funds checks.
  • The maximum loan amount for Ohio payday loans is $1,000, and the maximum term is 90 days.
  • In 2019, Ohioans borrowed more than 1.5 billion dollars in payday loans.

Apply Now

If you need quick cash to cover an unexpected expense in Petersburg, Ohio, and qualify for a payday loan, you can apply through our connector service, TheGuaranteedLoans. Please note that TheGuaranteedLoans is not a direct lender and will match you with potential lenders who may meet your specific needs. We encourage you to review the terms and conditions carefully before accepting any loan offer.

Apply now and get connected with lenders that meet your needs today!

F.A.Q.

What can I do if a payday lender is harassing me in Petersburg, Ohio?

If a payday lender is harassing you in Petersburg, Ohio, you can contact the Ohio Attorney General's Consumer Protection Section to report the harassment and request assistance. The Attorney General's office will investigate your complaint and, if necessary, take action to stop the harassment and protect your rights as a consumer.

Can a payday lender charge me a higher interest rate or fees than the legal limits in Petersburg, Ohio?

No, a payday lender cannot charge you a higher interest rate or fees than the legal limits in Petersburg, Ohio. If a lender is charging you more than the maximum allowed by law, you can contact the Ohio Attorney General's Consumer Protection Section to report the violation and request assistance.

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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