Payday Loans in Port Jefferson, Ohio

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

Company nameAddressZip codePhone number
Advance America 439 W Bagley Rd, Berea, OH 44017 +1 (440) 239 - 1057
CashMax Ohio 1716 S Main St, Bellefontaine, OH 43311 +1 (937) 592 - 0094
Huntington Bank 141 N Main St, North Baltimore, OH 45872 +1 (419) 257 - 2461
BMI Federal Credit Union 760 Kinnear Rd, Columbus, OH 43212 +1 (614) 707 - 4000
National Cash Advance 2265 Cooper Foster Park Rd, Amherst, OH 44001 +1 (440) 282 - 1853
Always Payday 3614 Gender Rd, Pickerington, OH 43147 +1 (614) 883 - 5950
The State Bank and Trust Company 510 W 3rd St, Defiance, OH 43512 +1 (419) 783 - 8975
ColorTyme Cash Loans 4770 Roosevelt Blvd, Middletown, OH 45044 +1 (513) 425 - 0879
First Federal Bank of Ohio 1660 W Market St suite a, Tiffin, OH 44883 +1 (419) 443 - 8300
Peoples Bank 556 Wheeling Ave, Cambridge, OH 43725 +1 (740) 439 - 0831

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Port Jefferson, OH, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Mason, OH, Payday Loans in Massillon, OH, Payday Loans in Mentor, OH, Payday Loans in Middletown, OH, Payday Loans in Newark, OH, Payday Loans in North Olmsted, OH, Payday Loans in North Ridgeville, OH and Online Loans in North Royalton, 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 Port Jefferson, OH.

Beautiful sights of Port Jefferson, OH

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

45360

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

Port Jefferson, OH payday loan calculator

Understanding Payday Loans in Port Jefferson, Ohio

If you live in Port Jefferson, Ohio, and find yourself in need of emergency cash, you may be considering a payday loan. Payday loans are short-term loans that are designed to help people bridge the gap between paychecks. They are often used for unexpected expenses, such as medical bills, car repairs, or home repairs.

Payday loans are legal in Ohio and are provided by licensed lenders. The state has implemented laws and regulations to protect consumers from high-interest rates and predatory lending practices. If you’re considering a payday loan in Port Jefferson, here’s what you need to know.

How Payday Loans Work in Ohio

Payday loans are typically small-dollar loans that have a short repayment period. In Ohio, payday loans are limited to a maximum loan amount of $1,000 and a maximum loan term of six months. Lenders are also required to provide a 30-day repayment plan to borrowers who are unable to pay back the loan in full at the end of the term.

To apply for a payday loan in Port Jefferson, you will need to provide proof of income, such as a pay stub or bank statement, and a valid ID. You will also need to have an active checking account in good standing. The lender will use this information to determine your eligibility and the amount of the loan you qualify for.

The Cost of Payday Loans

The cost of a payday loan in Ohio is regulated by the state to ensure that borrowers are not charged excessive interest rates and fees. The interest rate on payday loans is capped at 28% APR, and lenders are not allowed to charge more than $20 for every $100 borrowed.

For example, if you borrow $500, the maximum fee you can be charged is $100. This means you will need to repay the loan amount of $500 plus the fee of $100, for a total of $600. If you are unable to repay the loan on time, the lender can charge you additional late fees and interest.

Benefits of Payday Loans

Payday loans can be a useful tool for people who need emergency cash and have no other options available. They are easy to access, and the approval process is quick. You can get the money you need within a matter of hours, and there are no credit checks involved.

Payday loans can also help you avoid costly overdraft fees from your bank if you are unable to cover unexpected expenses. They provide a flexible repayment option that can be tailored to your financial situation.

Risks of Payday Loans

While payday loans can be helpful in certain situations, they come with risks and drawbacks. The high interest rates and fees associated with payday loans can trap borrowers in a cycle of debt. If you are unable to repay the loan on time, you may be charged extra fees and interest, which can make it difficult to get out of debt.

Payday loans can also lead to a depletion of your financial resources. When you take out a payday loan, you are borrowing against your future income, which can leave you with a smaller paycheck in the future. This can make it difficult to pay for other expenses and can lead to a cycle of borrowing and debt.

Interesting Facts and Statistics about Payday Loans in Port Jefferson, Ohio

  • The average payday loan in Ohio is $328, with an average term of 17 days.
  • Ohio has the highest payday loan interest rates in the country, with an average APR of 591%.
  • The number of payday lenders in Ohio has decreased by over 25% since 2012, due to increased regulation and enforcement.

Apply Now for a Payday Loan in Port Jefferson, Ohio

If you need emergency cash, TheGuaranteedLoans can help connect you with potential lenders in Port Jefferson, Ohio. Our online application process is quick and easy, and we work with a network of licensed lenders who are committed to responsible lending practices.

Remember, we are a connector service, not a direct lender. We do not make lending decisions, and we do not charge any fees for our services. Our goal is to provide you with a hassle-free way to access the emergency cash you need.

To get started, fill out our online application today. We’ll do the rest.

F.A.Q.

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

If a payday lender is harassing you in Port Jefferson, 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 Port Jefferson, Ohio?

No, a payday lender cannot charge you a higher interest rate or fees than the legal limits in Port Jefferson, 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.