Payday Loans in Roundhead, Ohio

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

Company nameAddressZip codePhone number
Park National Bank: Shelby Office 155 Mansfield Ave, Shelby, OH 44875 +1 (567) 275 - 4110
Apprisen 12200 Fairhill Rd, Cleveland, OH 44120 +1 (800) 355 - 2227
Cincinnati East Loan Production Office 151 Castleberry Ct, Milford, OH 45150 +1 (800) 374 - 6123
The Farmers State Bank 100 N Commerce St, Lewisburg, OH 45338 +1 (937) 962 - 2265
Huntington Bank 123 E Main St, Sugarcreek, OH 44681 +1 (330) 852 - 2438
Mechanics Bank 980 Ashland Rd, Mansfield, OH 44905 +1 (419) 589 - 7807
U.S. Bank ATM - North Kingsville 6269 S Main St, North Kingsville, OH 44068 +1 (800) 872 - 2657
CheckSmart 1255 Parsons Ave, Columbus, OH 43206 +1 (614) 445 - 6669
Advance America 5580 Youngstown Warren Rd #6, Niles, OH 44446 +1 (330) 505 - 9145
Twin Valley Bank 2 E Dayton St, West Alexandria, OH 45381 +1 (937) 839 - 4628

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Roundhead, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Warren, OH, Same Day Loans in West Chester, OH, Payday Loans in Westerville, OH, Payday Loans in Westlake, OH, No Credit Check Loans in Youngstown, OH, Payday Loans in Akron, OH, Payday Loans in Bowling Green, OH and Payday Loans in Brunswick, 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 Roundhead, OH.

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

43346

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

Roundhead, OH payday loan calculator

Advise to read before applying

What You Need to Know About Payday Loans in Roundhead, Ohio

Payday loans can be a helpful financial solution for people who need funds quickly, but may not have the best credit score or access to traditional loans. If you are a resident of Roundhead, Ohio, you may be wondering about the availability of payday loans in your area. The good news is that payday loans are legal in Ohio and can provide quick access to cash at a low cost.

What Are Payday Loans?

A payday loan is a type of short-term loan that is designed to cover unexpected expenses or bridge the gap between paychecks. Payday loans are typically for small amounts, ranging from $100 to $1,000, and are due to be repaid on your next payday. These loans often have high interest rates and fees, but can offer quick access to cash when you need it.

Payday Loans in Roundhead, Ohio

If you are a resident of Roundhead, Ohio, you have access to payday loans from licensed lenders in the state. In Ohio, payday loan lenders are required to be licensed and comply with state regulations. This provides added protection for borrowers and ensures that lenders are operating within the law.

It is important to note that Ohio law limits the amount of fees that payday loan lenders can charge. Lenders are required to charge no more than 28% interest on payday loans, which is considerably lower than the rates charged by some lenders in other states.

How to Apply for a Payday Loan

If you are in need of a payday loan in Roundhead, Ohio, the application process is straightforward and simple. You can apply online or in person at a licensed payday loan lender. The application typically requires basic personal and financial information, including your income and banking information.

Once you have submitted your application, the lender will review it and may request additional information or documentation. If you are approved, the lender will provide you with the loan amount and repayment terms. Make sure you understand the terms of the loan before accepting it, including the interest rates and fees.

Repaying Your Payday Loan

Payday loans are designed to be repaid on your next payday, which typically means within two to four weeks. The lender will automatically deduct the loan amount plus fees from your bank account on the due date. If you are unable to repay the loan on time, you may be able to request an extension or a repayment plan from the lender.

Interesting Facts and Statistics about Payday Loans in Roundhead, Ohio

  • Ohio is one of 32 states that allows payday lending.
  • In 2019, Ohio payday lenders made more than 1 million loans, totaling nearly $420 million in principal.
  • The average Ohio payday loan borrower takes out 10 loans per year.
  • The average annual percentage rate (APR) on Ohio payday loans is 65.41%.

Apply Now

If you are interested in applying for a payday loan in Roundhead, Ohio, TheGuaranteedLoans can help. As a connector service, we work with a network of licensed lenders to connect borrowers with potential loan options. Fill out our online application today to get started and find out if you qualify for a payday loan.

Remember, payday loans should be used responsibly and only for emergencies or unexpected expenses. Make sure you can afford to repay the loan on time and understand the full terms and costs before accepting any loan offer.

F.A.Q.

Can I rollover or renew a payday loan in Roundhead, Ohio if I cannot repay it on time?

No, you cannot rollover or renew a payday loan in Roundhead, Ohio if you cannot repay it on time. However, you can request an extended payment plan from the lender, as long as you have not already used this option in the past 60 days.

Are there any restrictions on where payday loans can be taken out in Roundhead, Ohio?

Yes, there are restrictions on where payday loans can be taken out in Roundhead, Ohio. Payday lenders must be licensed by the Ohio Department of Commerce, and they must follow all state and federal laws, including the Truth in Lending Act and the Military Lending Act. Payday loans are not allowed to be taken out on military bases or on any property owned by the federal government.

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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