Payday Loans in Saint Louisville, Ohio

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

Company nameAddressZip codePhone number
Woodforest National Bank 2850 Maysville Pike, Zanesville, OH 43701 +1 (740) 453 - 6347
Lincoln Financial Group 2 Summit Park Dr 120, Independence, OH 44131 +1 (216) 901 - 1302
Quik Cash 2839 E Waterloo Rd, Akron, OH 44312 +1 (330) 628 - 2111
Check n Go 5365 Ridge Ave, Cincinnati, OH 45213 +1 (513) 531 - 2288
Raymond James Financial Services 2895 Harding Hwy C, Lima, OH 45804 +1 (419) 516 - 4528
First Financial Bank 166 S Main St, Rockford, OH 45882 +1 (419) 363 - 4000
Wayne Savings Community Bank 90 N Clay St, Millersburg, OH 44654 +1 (330) 674 - 5085
Waterford Commercial & Savings 250 W Main St, Crooksville, OH 43731 +1 (740) 982 - 2900
Countrywide Home Loans 1601 Tiffin Ave, Findlay, OH 45840 +1 (419) 423 - 5023
Sunset Motors Incorp 2218 Sunset Blvd 2403, Steubenville, OH 43952 +1 (740) 264 - 1696

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Louisville, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in North Royalton, OH, Payday Loans in Reynoldsburg, OH, Bad Credit Loans in Springfield, OH, Payday Loans in Stow, OH, Payday Loans in Strongsville, OH, Payday Loan for Toledo, OH, Payday Loans in Warren, OH and Payday Loans in West Chester, 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 Louisville, OH.

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

Payday Loans in Saint Louisville, Ohio

Payday loans, also known as cash advance loans, are small, short-term loans designed to help people with unexpected expenses until their next payday. In Ohio, payday loans are legal at a low cost, and Saint Louisville is no exception. But before you get a payday loan, it’s important to understand how they work, their benefits, and their drawbacks.

How do payday loans work in Saint Louisville, Ohio?

The process of getting a payday loan in Saint Louisville is fairly straightforward. First, you must be at least 18 years old and have proof of income, such as a paycheck stub. You must also have a checking account in good standing.

Once you meet these requirements, you can apply for a payday loan online or in person at a lender’s store. The lender will ask for your personal information, such as your name, address, and Social Security number. They will also ask for documentation of your income.

If you are approved, the lender will give you the loan amount and charge you a fee. In Ohio, the maximum loan amount is $1,000, and the maximum fee is 28% of the loan amount. The loan term is typically two to four weeks, or until your next payday.

What are the benefits of payday loans?

Payday loans can be beneficial in some situations, such as:

  • Emergency expenses: If you have an unexpected expense, such as a medical bill or a car repair, payday loans can help you cover it until your next paycheck.
  • Fast approval: Payday loans can be approved quickly—often within minutes—if you meet the lender’s requirements.
  • No credit check: Payday lenders typically don’t require a credit check, which can be helpful if you have bad credit.

What are the drawbacks of payday loans?

Payday loans have some drawbacks, too:

  • High fees: Payday loans can be expensive, with fees of up to 28% of the loan amount.
  • Short repayment terms: Payday loans must be repaid quickly, often within two to four weeks. If you can’t repay the loan on time, you may be charged additional fees or interest.
  • Potential for debt cycle: If you can’t repay the loan on time, you may be tempted to take out another loan to cover the first one. This can lead to a cycle of debt that’s difficult to break.

Interesting facts and statistics about payday loans in Saint Louisville, Ohio

  • In 2019, Ohio lawmakers passed a law that capped payday loan interest rates at 28%. This made it more affordable for Ohioans to take out payday loans.
  • In the first quarter of 2021, 159,077 payday loans were taken out in Ohio, with a total loan volume of $58.6 million.
  • The average payday loan amount in Ohio was $367 in 2020, down from $396 in 2018.
  • The average APR (annual percentage rate) for payday loans in Ohio is 677%, which is higher than the national average of 391%.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can happen to anyone. That’s why we work with a network of trusted lenders to help connect you with a payday loan that meets your needs. We are not a direct lender, but a connector service that helps you find the right lender for your unique situation.

To get started, simply fill out our online application form. We’ll ask for some basic information, such as your name, address, and income. Once you submit your application, we’ll connect you with potential lenders who may be able to offer you a loan. If you’re approved, the lender will contact you to finalize the details of the loan.

Remember, payday loans are not a long-term financial solution. They should only be used for emergency expenses and repaid in full as soon as possible to avoid additional fees and interest.

Apply now and get the help you need to cover unexpected expenses in Saint Louisville, Ohio.

F.A.Q.

Can I get a payday loan in Saint Louisville, Ohio if I am a student?

Yes, students can get a payday loan in Saint Louisville, Ohio as long as they meet the lender's eligibility requirements and can provide proof of income.

Can I get a payday loan in Saint Louisville, Ohio if I do not have a bank account?

Yes, some payday lenders in Saint Louisville, Ohio may offer alternative repayment methods, such as prepaid debit cards or money orders, for borrowers without a bank account. However, these options may come with additional fees. It is important to discuss your options with the lender before taking out a loan.