Payday Loans in Portland, Ohio

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

Company nameAddressZip codePhone number
Farmers State Bank - Ashland 1690 E Main St, Ashland, OH 44805 +1 (419) 281 - 7110
Fifth Third Bank & ATM 1597 S Water St Unit A, Kent, OH 44240 +1 (330) 673 - 6112
CheckSmart 801 Lexington-Springmill Rd N, Ontario, OH 44906 +1 (419) 528 - 1315
Comunibanc Corporation 122 E Washington St, Napoleon, OH 43545 +1 (419) 599 - 1065
Advance America 1410 N Main St, Findlay, OH 45840 +1 (419) 425 - 1260
Third Federal Savings & Loan 9057 Darrow Rd, Twinsburg, OH 44087 +1 (330) 963 - 3130
First Insurance Group 4350 Navarre Ave A, Oregon, OH 43616 +1 (419) 691 - 2451
Direct Payday Loans 4831 Robinhood Dr, Willoughby, OH 44094 +1 (877) 244 - 8254
Robert L. Caplan Attorney at Law 90 N Nelson Rd, Columbus, OH 43219 +1 (614) 252 - 2026
Peoples Bank 826 Franklin Rd, Waynesville, OH 45068 +1 (513) 897 - 3001

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Portland, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Fairfield, OH, Short-term Loans in Findlay, OH, Payday Loans in Grove City, OH, Payday Loans in Hamilton, OH, Payday Loans in Hilliard, OH, Payday Loans in Lakewood, OH, 24-Hour Loan in Lancaster, OH and Emergency Loan in Lima, 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 Portland, OH.

Useful Articles

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

Portland, OH payday loan calculator

Advise to read before applying

Payday Loans in Portland, Ohio: A Comprehensive Guide

Have an unexpected bill to pay but no money in the bank? Consider a payday loan. In Portland, Ohio, payday loans are legal and can provide a quick and easy solution to unexpected expenses. In this guide, we’ll cover everything you need to know about payday loans in Portland, Ohio, including how they work, the costs associated with them, and how to apply.

How Do Payday Loans Work?

Payday loans are short-term loans designed to provide a quick cash infusion when you need it most. The loan amount is typically based on your income and is due to be repaid on your next payday. In Portland, Ohio, the maximum loan amount is $1,000, and the maximum loan term is 31 days.

To apply for a payday loan, you’ll need to provide proof of income, such as a pay stub, as well as a valid form of identification. If approved, you’ll receive the loan proceeds in cash or via direct deposit. On your due date, the loan and any associated fees will be automatically deducted from your bank account.

What Are the Costs Associated with Payday Loans?

While payday loans can provide quick relief in times of need, they can also be expensive. In Ohio, lenders are required to charge a maximum interest rate of 28% on payday loans. Additionally, lenders are allowed to charge a loan origination fee of up to 10% of the loan amount, with a maximum fee of $30. This means that the total cost of borrowing $100 for 14 days would be $16.67 in interest and a $10 fee, for a total of $126.67 due on your next payday.

It’s important to carefully consider the costs associated with a payday loan before applying. Make sure you understand the terms and conditions of the loan and are confident that you can repay it in full on your next payday. Failing to do so can result in additional fees and charges, as well as damage to your credit score.

How to Apply for a Payday Loan

Applying for a payday loan in Portland, Ohio is easy. You can apply online or in-person at a local lender. To speed up the application process, make sure you have the necessary documents on hand, including proof of income and identification. If approved, you’ll receive your loan proceeds quickly, often within a few hours.

At TheGuaranteedLoans, we make it easy to connect with potential lenders and find the right loan for you. Our online application process is simple and secure, making it easy to apply from the comfort of your own home. We work with a network of trusted lenders and can help you find the loan you need. Remember, we’re a connector service, not a direct lender, so we’ll facilitate your connection with potential lenders.

Interesting Facts and Statistics about Payday Loans in Portland, Ohio

  • According to a 2019 study by the Pew Charitable Trusts, 12 million Americans use payday loans each year.
  • Ohio has some of the lowest payday loan interest rates in the country, with a maximum rate of 28%.
  • The average payday loan borrower takes out eight loans per year.
  • Payday loans are most often used to cover basic expenses such as rent, car payments, and groceries.

Apply Now

Ready to apply for a payday loan? Visit TheGuaranteedLoans website to get started. Our online application process is simple and secure, and we’ll connect you with potential lenders who can provide the cash you need. Remember, we’re here to help you get the loan you need, when you need it most.

Note: Payday loans can be an expensive form of borrowing and are not intended to be a long-term financial solution. Consider alternative forms of credit and seek advice from a financial professional if you’re struggling to make ends meet.

F.A.Q.

Can I be sued or arrested for not repaying a payday loan in Portland, Ohio?

No, you cannot be sued or arrested for not repaying a payday loan in Portland, Ohio. However, the lender may use other collection methods, such as contacting you by phone or mail, reporting the debt to credit bureaus, or garnishing your wages, to collect the debt.

Are there any restrictions on the number of payday loans that I can take out in Portland, Ohio?

Yes, there are restrictions on the number of payday loans that you can take out in Portland, Ohio. You cannot take out more than two payday loans at a time, and you cannot take out more than four payday loans in a 12-month period.

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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