Payday Loans in Pleasantville, Ohio

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

Company nameAddressZip codePhone number
WesBanco Bank 8550 OH-339, Barlow, OH 45784 +1 (740) 678 - 2353
First American Loans 4206 W Broad St, Columbus, OH 43228 +1 (614) 276 - 6902
CheckSmart 932 OH-28, Milford, OH 45150 +1 (513) 831 - 4455
Raymond James Financial Services 306 Clinton St, Defiance, OH 43512 +1 (419) 517 - 7001
Cashland 790 Wooster Road North, Barberton, OH 44203 +1 (330) 753 - 4666
National Cash Advance 1682 Michigan St, Sidney, OH 45365 +1 (937) 493 - 0244
National Cash Advance 709-C, W Perkins Ave, Sandusky, OH 44870 +1 (419) 624 - 0919
Universal 1 Credit Union 1 River Park Dr, Dayton, OH 45409 +1 (937) 225 - 6800
Huntington Bank 4105 Central Ave, Shadyside, OH 43947 +1 (740) 671 - 9346
Always Payday 4506 Cemetery Rd, Columbus, OH 43219 +1 (614) 529 - 0900

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Pleasantville, OH, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Middletown, OH, Payday Loans in Newark, OH, Payday Loan Without a Credit Check in North Olmsted, OH, Payday Loans in North Ridgeville, OH, 24-Hour Loan in North Royalton, OH, Payday Loans in Reynoldsburg, OH, Payday Loans in Springfield, OH and Payday Loans in Stow, 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 Pleasantville, OH.

Beautiful sights of Pleasantville, OH

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

43148

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

Pleasantville, OH payday loan calculator

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

Payday loans are a popular financing option for many people needing short-term loans. These loans are especially useful for people with poor credit or those who can’t get loans from traditional lenders or credit unions. Payday loans are legal in Ohio, but there are specific regulations you should know about when considering one in Pleasantville.

How Payday Loans Work in Ohio

In Ohio, payday loans are available at a low cost, which makes them more accessible to consumers. They can help people cover unexpected expenses, bills, or emergencies before their next paycheck arrives.

To qualify for a payday loan in Pleasantville, Ohio, you must be over 18 years old, have a valid government-issued ID, proof of income, and an active bank account. You’ll need to provide your lender with personal and banking information, and the amount you can borrow depends on your income level and the lender’s lending policies. Ohio law limits the number of loans you can take out, so you don’t get stuck in a cycle of debt.

Ohio payday loan companies are required to disclose the full cost of the loan, including annual percentage rates (APR), fees, and finance charges. In Ohio, the maximum APR for payday loans is 28%, which makes it a cost-effective option compared to other states. Ohio law also allows borrowers to cancel the loan within three days without any extra fees.

The Benefits of Payday Loans in Pleasantville, Ohio

The main benefit of payday loans is access to quick cash, even if you have poor credit. You won’t have to go through a credit check, which makes the process faster and more straightforward. If you need cash for emergencies, unexpected expenses, or bills, payday loans can help you avoid late fees and overdraft charges on your checking account.

Payday loans are also easier to obtain than personal loans or lines of credit. You don’t need to have collateral or a co-signer, and the money is usually available within hours or the next business day.

The Risks of Payday Loans in Pleasantville, Ohio

Payday loans might seem like a perfect solution, but they come with several risks you should consider before taking out a loan. The high-interest rates and fees can add up quickly, and if you can’t pay the loan on time, you might fall into a cycle of debt.

The debt trap occurs when you need to take out another payday loan to pay off your previous one, creating a never-ending cycle of debt and fees. If you can’t pay off the loan on time, you might face significant financial consequences, including legal action, overdraft charges, and damaged credit.

Apply Now

If you need a payday loan in Pleasantville, Ohio, you can apply with TheGuaranteedLoans. We are a connector service that connects potential borrowers with lenders who meet their needs. Our process is fast, safe, and straightforward. All you have to do is fill out our online application with your personal information, and we’ll match you with potential lenders who meet your needs.

It’s effortless to apply, and you can get cash as soon as the next business day. Remember, TheGuaranteedLoans is not a direct lender, and we don’t make credit decisions. We facilitate your connection with potential lenders, and you’ll have to negotiate the loan terms with them.

Interesting Facts and Statistics about Payday Loans in Pleasantville, Ohio

  • In Ohio, payday loans are legal, and the state has specific regulations in place to protect consumers.
  • According to Ohio law, payday loan lenders cannot charge more than 28% APR.
  • The average payday loan in Ohio is $350, and the term is two weeks.
  • Ohio payday lenders cannot give loans to consumers with more than $2,500 in outstanding loans or more than 25% of their gross monthly income in payday loans.

In conclusion, payday loans can be a useful financing option if you need quick cash to cover unexpected expenses. However, you should understand the risks associated with them, including high-interest rates and fees. Before taking out a payday loan in Pleasantville, Ohio, make sure you read Ohio’s regulations and understand the terms of the loan. Apply with TheGuaranteedLoans, and we’ll help you find a lender who meets your needs.

F.A.Q.

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

Yes, payday loans are legal in Pleasantville, 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.