Payday Loans in Quaker City, Ohio

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

Company nameAddressZip codePhone number
First National Bank in New Bremen 204 W State St, Botkins, OH 45306 +1 (937) 693 - 1537
Nicholas Financial Inc 3852 Hard Rd, Dublin, OH 43016 +1 (614) 210 - 0862
Genfed Financial Credit Union 2855 W Market St 109, Fairlawn, OH 44333 +1 (330) 835 - 9103
Wright-Patt Credit Union 1868 US-36, Urbana, OH 43078 +1 (937) 912 - 7000
First Choice America Community Federal Credit Union 1835 Sunset Blvd, Steubenville, OH 43952 +1 (800) 427 - 4835
Cashland 1154 N 21st St, Newark, OH 43055 +1 (740) 364 - 0478
Premier Bank 2565 Shawnee Rd, Lima, OH 45806 +1 (419) 221 - 1312
National Cash Advance 1153 Park Ave W, Mansfield, OH 44906 +1 (419) 529 - 5629
ACE Cash Express 3029 Belmont Ave, Youngstown, OH 44505 +1 (330) 759 - 0916
Cash America Pawn 10090 Springfield Pike, Cincinnati, OH 45215 +1 (513) 771 - 3700

Payday Loan Companies in Nearby Cities

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

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

43773

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

Quaker City, OH payday loan calculator

Advise to read before applying

Payday Loans in Quaker City, Ohio: A Comprehensive Guide

If you’re in need of quick cash in Quaker City, Ohio, you might be considering a payday loan. Payday loans are a type of short-term loan marketed as a solution for unexpected expenses or emergencies. In Ohio, they are legal and regulated, but it’s important to understand the terms and risks involved before taking out a loan.

How Payday Loans Work in Ohio

Payday loans in Ohio are available at a maximum loan amount of $1,000 and a maximum loan term of 6 months. The interest rate on a payday loan in Ohio is capped at 28%, which can make them a more affordable option than payday loans in other states. However, the annual percentage rate (APR) on a payday loan in Ohio can still be up to 391%. To qualify for a payday loan in Ohio, you need to have a steady income and a checking account.

The Risks of Payday Loans

While payday loans can provide quick cash, they come with high interest rates and fees that can make it difficult to repay the loan on time. If you don’t repay the loan on time, you may be hit with additional fees and interest, leading to a cycle of debt that’s hard to break. In Ohio, payday lenders are not allowed to sue borrowers for unpaid loans, but they can still pursue collection through other means, such as sending the debt to a collection agency. Additionally, taking out a payday loan can affect your credit score, which can make it harder to get approved for loans and credit in the future.

Alternatives to Payday Loans

If you’re considering a payday loan in Quaker City, Ohio, it’s important to explore all of your options before making a decision. Some alternatives to payday loans include:

  • Credit counseling: A credit counselor can help you create a budget and a plan to pay off your debts.
  • Personal loans: A personal loan from a bank or credit union may have lower interest rates and more favorable terms than a payday loan.
  • Friends and family: If possible, borrowing money from friends or family members may be a better option than taking out a payday loan.

Interesting Facts and Statistics

Here are some verified facts and statistics about payday loans in Quaker City, Ohio:

  • Ohio has one of the highest payday loan usage rates in the country, with 1 in 6 Ohioans having used a payday loan at some point.
  • The average payday loan borrower in Ohio takes out 10 loans per year.
  • More than 75% of payday loan borrowers in Ohio are unable to repay their loans on time.

Apply Now

If you’re considering a payday loan in Quaker City, Ohio, TheGuaranteedLoans is here to help. We’re a connector service, not a direct lender, which means we can help you connect with potential lenders who may be able to offer you a loan. To get started, simply fill out our online application form and submit it. We’ll take care of the rest!

Remember, taking out a payday loan is a serious decision and should not be taken lightly. Be sure to understand the terms and risks involved before signing on the dotted line, and always explore all of your options before making a decision.

F.A.Q.

Can I get a payday loan in Quaker City, Ohio if I have bad credit?

Yes, payday loans in Quaker City, Ohio are typically available to borrowers with bad credit, as they do not require a credit check.

What fees are associated with a payday loan in Quaker City, Ohio?

In addition to the interest, payday loans in Quaker City, Ohio may also include fees for processing, origination, and late payments.

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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