Payday Loans in Port Washington, Ohio

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

Company nameAddressZip codePhone number
ACE Cash Express 21177 Euclid Ave, Cleveland, OH 44117 +1 (216) 481 - 0458
Advance America 1100 N Cable Rd, Lima, OH 45805 +1 (419) 222 - 3900
Cashland 602 Woodman Dr, Dayton, OH 45431 +1 (937) 253 - 7842
Exceptional Motorcar 20891 County Rd 424, Defiance, OH 43512 +1 (419) 782 - 0607
Professional Financial Services 9885 Rockside Rd 147, Cleveland, OH 44125 +1 (216) 642 - 9700
Woodforest National Bank 2700 W State St, Alliance, OH 44601 +1 (330) 823 - 7705
Woodforest National Bank 10392 Fremont Pike, Perrysburg, OH 43551 +1 (419) 874 - 4350
Cashland 1839 W State St, Fremont, OH 43420 +1 (419) 332 - 2314
Check `n Go 3109 Navarre Ave Suite B, Oregon, OH 43616 +1 (419) 698 - 4876
First American Loans 222 Portland Way N, Galion, OH 44833 +1 (419) 468 - 3015

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Port Washington, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Reynoldsburg, OH, Emergency Loan in Springfield, OH, Same Day Loans in Stow, OH, No Credit Check Loans in Strongsville, OH, Payday Loans in Toledo, OH, Payday Loans in Warren, OH, Payday Loan Without a Credit Check in West Chester, OH and Payday Loans in Westerville, 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 Washington, OH.

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

43837

Are Payday Loans Legal In Port Washington, 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 Washington, 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 Washington, Ohio. There's a default limit of $1,000 in Port Washington, 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 Washington, OH payday loan calculator

Advise to read before applying

Payday Loans in Port Washington, Ohio

When you’re in a financial bind, a payday loan may be the solution you need. These short-term loans can help you cover unexpected expenses and bridge the gap until your next paycheck. However, it’s important to understand how payday loans work and the laws that regulate them in your area. In Port Washington, Ohio, payday loans are legal and available at a low cost. Here’s what you need to know.

What Are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday. They are designed to help you cover unexpected expenses, such as car repairs, medical bills, or emergency travel. Payday loans are unsecured loans, which means you don’t need to put up collateral to qualify.

When you apply for a payday loan, you’ll need to provide proof of income and a valid ID. The lender will use this information, along with your credit score, to determine how much you can borrow. Payday loans are usually available in amounts ranging from $100 to $1,000.

How Do Payday Loans Work?

When you’re approved for a payday loan, the lender will write you a check or transfer the funds to your bank account. You’ll be required to repay the loan in full, along with any fees, by your next payday. If you can’t repay the loan on time, you may be able to roll it over or extend the payment term. However, this will typically result in additional fees and interest.

In Port Washington, Ohio, payday lenders are required to disclose the total cost of the loan in writing before you sign a contract. This includes the annual percentage rate (APR) and all fees associated with the loan. Lenders are also prohibited from charging more than 28% APR on payday loans in Ohio.

What Are the Benefits of Payday Loans?

Payday loans can provide a quick source of cash when you’re in a pinch. They’re easy to qualify for, even if you have bad credit, and you can typically get the funds within a day or two. Payday loans can also help you avoid overdraft fees or late payment penalties on other bills.

What Are the Risks of Payday Loans?

Payday loans come with high fees and interest rates, which can make them expensive in the long run. If you’re unable to repay the loan on time, you may end up in a cycle of debt, where you roll over the loan and accumulate additional fees and interest. Payday loans can also damage your credit score if you don’t repay them on time.

Facts and Statistics About Payday Loans in Port Washington, Ohio

  • The average APR for payday loans in Ohio is 591%, which is among the highest in the country.
  • In 2019, Ohio lawmakers passed a law that reduced the maximum APR for payday loans from 661% to 28%.
  • In 2020, Ohio borrowers took out more than 1 million payday loans, according to the state’s Department of Financial Institutions.

Apply Now

If you need a payday loan in Port Washington, Ohio, TheGuaranteedLoans can help you connect with potential lenders. Our service is free to use and can help you find the best loan for your needs. Simply fill out our online application and we’ll match you with lenders who may be able to offer you a loan. It’s fast, easy, and secure.

Remember, TheGuaranteedLoans is not a direct lender. We’re a connector service that helps you find the right loan for your needs. We don’t charge any fees for our services, and you’re under no obligation to accept any loan offer.

Conclusion

A payday loan can be a useful tool when you’re in a financial bind, but it’s important to use them responsibly. In Port Washington, Ohio, payday loans are legal and available at a low cost, but be sure to read the terms and conditions carefully before signing a contract. If you need help finding a payday loan, TheGuaranteedLoans can connect you with potential lenders who may be able to offer you a loan that meets your needs.

F.A.Q.

Can a payday lender require me to agree to arbitration or waive my legal rights in Port Washington, Ohio?

No, a payday lender cannot require you to agree to arbitration or waive your legal rights in Port Washington, Ohio. These types of provisions are prohibited by Ohio law, and if a lender is attempting to enforce them, you can contact the Ohio Attorney General's Consumer Protection Section to report the violation and request assistance.

Can a payday lender access my bank account or debit my account without my permission in Port Washington, Ohio?

No, a payday lender cannot access your bank account or debit your account without your permission in Port Washington, Ohio. If a lender is attempting to do so, you can contact your bank and request that they block the lender's access to your account. You can also contact the Ohio Attorney General's Consumer Protection Section to report the violation and request assistance.

Look for Short-Term Loans in Other Cities:

Akron Bowling Green Brunswick Canton Chillicothe Cincinnati Cleveland Columbus Cuyahoga Falls Dayton Delaware Dublin Elyria Euclid Fairborn Fairfield Findlay Grove City Hamilton Hilliard Lakewood Lancaster Lima Lorain Mansfield Marion Mason Massillon Mentor Middletown Newark North Olmsted North Ridgeville North Royalton Reynoldsburg Springfield Stow Strongsville Toledo Warren West Chester Westerville Westlake Youngstown
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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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