Payday Loans in Sarahsville, Ohio

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

Company nameAddressZip codePhone number
WesBanco Bank 7601 Dayton Springfield Rd, Fairborn, OH 45324 +1 (937) 864 - 1928
FCBank 250 W Sandusky St, Fredericktown, OH 43019 +1 (740) 694 - 2010
Thrivent Financial 4773 Brinker St SW, Navarre, OH 44662 +1 (330) 904 - 5118
Lincoln Financial 3421 Ridgewood Rd, Fairlawn, OH 44333 +1 (330) 294 - 1205
My Gold Trade 162 Twin Oaks Dr, Jackson, OH 45640 +1 (740) 286 - 2745
Prizm Financial 3700B Park 42 Dr 150b, Cincinnati, OH 45241 +1 (855) 747 - 2700
MSH Inc 9545 Midwest Ave, Cleveland, OH 44125 +1 (216) 581 - 6999
Firefighters Community Credit Union | FFCCU 39287 Center Ridge Rd, North Ridgeville, OH 44039 +1 (216) 621 - 4644
First American Loans 2238 Tuscarawas St W, Canton, OH 44708 +1 (330) 452 - 5790
Homefront Lending 3611 Socialville-Foster Rd 104, Mason, OH 45040 +1 (513) 770 - 4145

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sarahsville, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Dublin, OH, Short-term Loans in Elyria, OH, Payday Loans in Euclid, OH, Payday Loans in Fairborn, OH, Payday Loans in Fairfield, OH, Payday Loans in Findlay, OH, Payday Loans in Grove City, OH and Same Day Loans in Hamilton, 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 Sarahsville, OH.

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

43779

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

Sarahsville, OH payday loan calculator

Advise to read before applying

Payday Loans in Sarahsville, Ohio: Everything You Need to Know

If you live in Sarahsville, Ohio, and find yourself in need of emergency funds, a payday loan may be the solution you’re looking for. In Ohio, payday loans are legal, and they can be processed quickly, giving you access to funds when you need them most.

But it’s essential to understand the risks and drawbacks associated with payday loans before committing to one. In this article, we’ll provide an overview of payday loans in Sarahsville, Ohio, and everything you need to know before applying.

What Is a Payday Loan?

A payday loan is a short-term loan designed to provide quick cash to borrowers until their next payday. They’re typically available for smaller amounts, between $100 to $1000, and must be repaid within two to four weeks.

To apply for a payday loan in Ohio, you must have a valid government-issued ID, proof of income, a working phone number, and an active checking account. If you meet these requirements, you can apply for a payday loan online or at a storefront lender.

How Much Do Payday Loans Cost in Sarahsville, Ohio?

The cost of a payday loan in Sarahsville, Ohio, is regulated by the Ohio General Assembly. The annual percentage rate (APR) for a payday loan in Ohio is capped at 28%, significantly lower than the national average of 400%.

Additionally, lenders in Ohio can charge a maximum finance charge of 1% per day, capped at $25. For example, if you borrow $500, the maximum finance charge would be $5 per day or $25 for the entire loan period.

It’s essential to note that the finance charge can add up quickly, especially if you’re unable to repay the loan on time. Defaulting on a payday loan can result in additional fees, collection calls, and even legal action.

Benefits of Payday Loans in Sarahsville, Ohio

  • Quick access to funds: Payday loans are processed quickly, allowing you to receive funds within a few hours or a day.
  • No credit checks: Most payday lenders in Sarahsville, Ohio, don’t require a credit check, making it easier for individuals with poor credit history to qualify.
  • Regulated interest rates: The APRs and finance charges for payday loans in Ohio are regulated, ensuring borrowers aren’t subject to exorbitant fees and rates.

Risks of Payday Loans in Sarahsville, Ohio

  • High fees and interest rates: While the APRs and finance charges for payday loans in Ohio are lower than the national average, they’re still significantly higher than traditional loans’ rates.
  • Short repayment periods: Payday loans must be repaid within two to four weeks, placing a significant burden on borrowers who may be struggling financially.
  • Debt cycle: Rollovers and extensions can result in a debt cycle, where borrowers consistently extend their loans, accruing additional fees and interest.

Interesting Facts about Payday Loans in Sarahsville, Ohio

  • Ohio has some of the strictest payday loan regulations in the country.
  • The Ohio Short-Term Loan Act was passed in 2008, regulating payday loans and auto title loans in the state.
  • Ohio’s payday loan regulations have drastically reduced the number of payday loan storefronts in the state, from 1,500 in 2008 to less than 700 in 2019.
  • Between 2013 and 2017, the number of payday loans issued in Ohio decreased by over 25%, a positive sign that consumers are exploring alternative options.

Apply Now

If you’re considering a payday loan in Sarahsville, Ohio, TheGuaranteedLoans is here to help. As a connector service, we specialize in connecting borrowers with potential lenders, providing a fast, easy, and secure application process.

Fill out our online application today to receive loan offers from multiple lenders. Remember, payday loans are a short-term solution and should only be used in emergencies. If you’re struggling with long-term debt, consider speaking with a financial advisor or exploring other options.

Apply now and get the emergency funds you need.

F.A.Q.

What are the maximum interest rates and fees that can be charged on payday loans in Sarahsville, Ohio?

The maximum interest rate that can be charged on payday loans in Sarahsville, Ohio is 28% per year, which is equivalent to a maximum APR of 791% for a 14-day loan. The maximum fee that can be charged for a payday loan in Sarahsville, Ohio is $15 per $100 borrowed, or $30 for loans of $500 or more.

Can I have more than one payday loan at a time in Sarahsville, Ohio?

Yes, you can have multiple payday loans in Sarahsville, Ohio at the same time, but the total amount of outstanding payday loans cannot exceed 25% of your gross monthly income.

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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