Payday Loans in Saint Marys, Ohio

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

Company nameAddressZip codePhone number
Superior Credit Union 1296 W Main St, Van Wert, OH 45891 +1 (419) 238 - 5241
O'Reilly Auto Parts 1933 Needmore Rd, Dayton, OH 45414 +1 (937) 890 - 4832
Buckeye Gold Coin & Jewelry 190 Graceland Blvd, Columbus, OH 43214 +1 (614) 846 - 4653
CheckSmart 14930 Puritas Ave, Cleveland, OH 44135 +1 (216) 941 - 6329
Huntington Bank 650 W Maple St, Hartville, OH 44632 +1 (330) 877 - 2215
Eagle Loan 1889 W Market St, Akron, OH 44313 +1 (330) 861 - 0700
Cashland 2222 N Reynolds Rd, Toledo, OH 43615 +1 (419) 535 - 5533
National Cash Advance 1312 Mt Vernon Ave #4, Marion, OH 43302 +1 (740) 389 - 2090
Commodore Bank 202 Commodore Court, Hebron, OH 43025 +1 (740) 928 - 2266
CSE Federal Credit Union - Canton/Operations 1380 Market Ave N, Canton, OH 44714 +1 (330) 452 - 9801

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Marys, OH, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Westerville, OH, Payday Loan for Westlake, OH, Payday Loans in Youngstown, OH, Payday Loans in Akron, OH, Payday Loans in Bowling Green, OH, Payday Loans in Brunswick, OH, Payday Loans in Canton, OH and Payday Loans in Cincinnati, 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 Marys, OH.

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

Advise to read before applying

Are you in need of quick cash to cover an unexpected expense? A payday loan may be a solution worth considering. In Saint Marys, Ohio, payday loans are legal and can provide a temporary financial solution.

What are Payday Loans?

Payday loans are short-term loans, typically due on your next payday. They are designed to help you cover unforeseen expenses, such as medical bills, car repairs, or emergency home repairs. Unlike traditional bank loans, payday loans are more accessible, especially for people with poor credit scores or no credit history.

How do Payday Loans Work in Saint Marys, Ohio?

In Ohio, payday loans are legal and regulated. The state law limits the maximum loan amount to $1,000, and the term cannot exceed 6 months. They must charge a maximum interest rate of 28% and a loan origination fee, with a minimum repayment period of 31 days.

To apply for a payday loan in Saint Marys, Ohio, you must be at least 18 years old and provide proof of identification, employment, and income. You must also have an active checking account. You can apply in person at a local payday loan store or online through a lender’s website.

Benefits of Payday Loans

  • Quick access to cash when you need it most
  • No credit check required in most cases
  • Easy and convenient application process
  • Flexibility to use the funds for any purpose
  • High approval rates

Despite the benefits of payday loans, they carry some risks. The fees and interest rates are higher than traditional bank loans, and you can end up in a cycle of debt if you cannot repay the loan on time. To avoid these risks, it’s important to borrow responsibly and only take out a payday loan if you can afford to repay it on time.

Interesting Facts/Statistics About Payday Loans in Saint Marys, Ohio

  • According to Ohio state law, the maximum loan amount for payday loans is $1,000
  • The average payday loan term in Ohio is 14 days
  • Payday loan borrowers in Ohio pay an average of $68 in fees and interest per $100 borrowed
  • In 2020, Ohio passed a law that limits interest rates and fees for payday loans, making them more affordable for borrowers
  • As of 2021, there are over 100 payday loan stores operating in Ohio

Apply Now

If you are in need of a payday loan in Saint Marys, Ohio, TheGuaranteedLoans can help. We are a connector service that matches borrowers with potential lenders. Our application process is simple and secure, and we work with a network of trusted lenders. Fill out our online application today and get connected with a lender.

Remember, payday loans should be used only for emergency expenses, and you should borrow responsibly. Only take out a payday loan if you can afford to repay it on time, and always read the loan terms and agreements carefully.

Thank you for considering TheGuaranteedLoans as your resource for payday loans in Saint Marys, Ohio. We are committed to helping you find the best loan solution for your needs.

F.A.Q.

What is a payday loan in Saint Marys, Ohio?

A payday loan is a short-term loan that is typically used to cover unexpected expenses or financial emergencies. These loans are typically for small amounts of money, and are repaid on the borrower's next payday.

Are payday loans legal in Saint Marys, Ohio?

Yes, payday loans are legal in Saint Marys, Ohio. However, there are certain regulations that must be followed by lenders, including a maximum loan amount of $1,000 and a maximum loan term of 31 days.

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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