Payday Loans in Saint Johns, Ohio

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

Company nameAddressZip codePhone number
Best Reward Federal Credit Union Brook Park Branch 5681 Smith Rd, Brook Park, OH 44142 +1 (216) 367 - 8000
Kroger Money Services 965 Poplar St, Nelsonville, OH 45764 +1 (740) 753 - 2362
Advance America 1116 Oak Harbor Rd, Fremont, OH 43420 +1 (419) 334 - 3870
Check Into Cash 2174 Romig Rd, Akron, OH 44320 +1 (330) 745 - 8411
Peoples Bank 1 N Court St, Athens, OH 45701 +1 (740) 597 - 2003
Eagle Loan Company of Ohio 5413 Dixie Hwy, Fairfield, OH 45014 +1 (513) 874 - 5008
Croghan Colonial Bank 323 Croghan St, Fremont, OH 43420 +1 (888) 276 - 4426
U.S. Bank ATM - Malvern 123 N Reed Ave, Malvern, OH 44644 +1 (800) 872 - 2657
Woodforest National Bank 6067 N Ridge Rd, Madison, OH 44057 +1 (440) 417 - 1816
Check `n Go 34 Fiesta Ln, Miamisburg, OH 45342 +1 (937) 436 - 3034

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Johns, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Marion, OH, Payday Loan Companies in Mason, OH, Payday Loans in Massillon, OH, 24-Hour Loan in Mentor, OH, Guaranteed Loans in Middletown, OH, Payday Loans in Newark, OH, Payday Loans in North Olmsted, OH and No Credit Check Loans in North Ridgeville, 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 Saint Johns, OH.

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

Saint Johns, OH payday loan calculator

Advise to read before applying

Understanding Payday Loans in Saint Johns, Ohio

Payday loans have become an increasingly popular means of acquiring fast cash in the United States, thanks in part to their accessibility and the ease of the application process. For many people living in Saint Johns, Ohio, payday loans have become an essential resource when faced with unexpected expenses or financial emergencies.

Before you decide to apply for a payday loan, it’s vital to understand what you are getting into and how it works. This article provides a clear and detailed overview of payday loans, and more specifically, how they operate in Saint Johns, Ohio.

What is a Payday Loan?

A payday loan is a small, short-term loan that you can use to cover expenses until your next paycheck. These loans are typically due on your next payday, which is usually within two to four weeks of the loan being issued. Payday loans are unsecured, meaning that you don’t have to provide collateral to secure them.

Most payday lenders don’t require a credit check, which makes the application process fast and easy. However, this also means that payday loans come with very high interest rates and fees, which can make them very expensive to repay if you’re unable to meet your repayment obligations.

The Legality of Payday Loans in Ohio

Payday loans are legal in Ohio, but with some restrictions and regulations. Under Ohio law, the maximum loan amount is $1,000, and borrowers can’t take out more than one payday loan at a time. The maximum interest rate on payday loans is capped at 28% APR, and lenders are prohibited from charging fees that exceed 10% of the loan’s value.

It’s important to note that payday lenders in Ohio are required to be licensed and registered with the state. This means that they must follow specific guidelines and regulations set out by the Ohio Department of Commerce, which is responsible for overseeing the payday loan industry in the state.

Benefits of Payday Loans in Saint Johns, Ohio

Payday loans can provide many benefits to borrowers in Saint Johns, Ohio, including:

  • Fast and easy application process
  • No credit check required
  • Availability for borrowers with poor credit history
  • Quick access to cash when needed
  • Flexible repayment options

These benefits make payday loans an attractive option for many people who are in need of fast cash to cover unexpected expenses or emergencies. However, it’s essential to understand that payday loans also come with some significant drawbacks and risks, especially when misused.

Risks and Drawbacks of Payday Loans

Some of the risks and drawbacks of payday loans include:

  • High-interest rates and fees
  • Short repayment terms
  • Debt cycle potential if not repaid on time
  • Legal consequences for failure to repay
  • Potential damage to credit score

It’s crucial to approach payday loans with caution and only use them for essential purposes. Borrowers should always consider their ability to repay the loan on time before taking out a payday loan and avoid borrowing more than they can realistically afford to repay.

Interesting Facts and Statistics about Payday Loans in Saint Johns, Ohio

  • The average payday loan in Ohio is $300, with an average repayment term of two weeks.
  • Ohio has one of the highest payday loan interest rates in the nation, with an average APR of 457% for a 14-day loan.
  • In 2019, Ohio payday lenders issued more than 1 million loans, totaling over $400 million.

Apply Now for a Payday Loan in Saint Johns, Ohio

If you’re considering a payday loan in Saint Johns, Ohio, TheGuaranteedLoans can help connect you with potential lenders. We understand that financial emergencies can be stressful, and that’s why we’ve created a simple and secure online application process. Fill out our application on our website to get started, and we’ll work hard to find you a lender that meets your needs.

It’s important to remember that TheGuaranteedLoans is not a direct lender, but rather a connector service. This means that we facilitate connections between borrowers and lenders, but we are not responsible for issuing loans or setting loan terms.

Trust us to help you get the financial assistance you need through our simple, fast, and safe online application process.

The Bottom Line

Payday loans can be a useful resource for covering unexpected expenses or emergencies, but they come with significant risks and drawbacks. Be sure to understand how payday loans work, the applicable laws and regulations in Ohio, and the potential consequences of late or missed payments before applying for a payday loan.

Thank you for trusting TheGuaranteedLoans for your financial needs. We are always here to help and support you on your path to financial freedom.

F.A.Q.

Are payday loans in Saint Johns, Ohio regulated by the state?

Yes, payday loans in Saint Johns, Ohio are regulated by the Ohio Department of Commerce, which sets the maximum interest rate and fees and ensures that lenders comply with state laws.

Can I get a payday loan in Saint Johns, Ohio if I am a military service member?

Yes, military service members are eligible for payday loans in Saint Johns, Ohio, but they are protected by the Military Lending Act, which limits the interest rate to 36% APR.

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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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