Payday Loans in Scio, Ohio

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

Company nameAddressZip codePhone number
Regency Finance 8144 Beechmont Ave, Cincinnati, OH 45255
Cashland 2933 Linden Ave, Dayton, OH 45410 +1 (937) 252 - 0434
Peoples National Bank 14806 Zion Rd, Thornville, OH 43076 +1 (740) 242 - 5111
CheckSmart 1301 E Main St, Lancaster, OH 43130 +1 (740) 689 - 9333
Mariner Finance 10007 Fremont Pike, Perrysburg, OH 43551 +1 (567) 336 - 9085
The Union Bank Co. 114 E 3rd St, Delphos, OH 45833 +1 (800) 837 - 8111
Sandel's Loan Inc 306 W Federal St, Youngstown, OH 44503 +1 (330) 743 - 1359
CheckSmart 4408 West Tuscarawas Avenue, Canton, OH 44708 +1 (330) 477 - 7867
Huntington Bank 235 N Main St, Columbiana, OH 44408 +1 (330) 482 - 2300
Urgent Cash 218 Main St, Bridgeport, OH 43912 +1 (740) 635 - 2435

Payday Loan Companies in Nearby Cities

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

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

43988

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

Scio, OH payday loan calculator

Advise to read before applying

Payday Loans in Scio, Ohio: The Legal and Affordable Option

Are you in need of fast cash in Scio, Ohio? Payday loans may be the solution you’re looking for. Luckily, payday loans are legal and affordable in Ohio, making them a popular choice for people in need of short-term financial assistance.

The Basics of Payday Loans

Payday loans are short-term loans that typically range from $50 to $1,000. The loans are designed to provide borrowers with cash advances until their next payday. In Scio, Ohio, payday loans have a maximum term of 31 days, and the maximum interest rate allowed is 28% APR. This makes payday loans a much more affordable option than they are in some other states.

To qualify for a payday loan in Scio, Ohio, you must meet several requirements. You must be at least 18 years old, have a regular source of income, and have an active checking account. You’ll also need to provide some personal information and proof of income to show that you can repay the loan.

The Benefits of Payday Loans

Payday loans offer several benefits to borrowers who need cash quickly. One of the main advantages of payday loans is that they are fast and easy to get. You can usually get approved for a payday loan in Scio, Ohio, within just a few minutes. This makes them a great option if you need money right away to cover unexpected expenses.

In addition to being fast and easy to get, payday loans in Scio, Ohio, also have lower interest rates compared to other states. This makes them a more affordable option for borrowers who need cash quickly but don’t want to pay high interest rates over a long period of time.

The Risks of Payday Loans

While payday loans offer several benefits, they also come with risks that borrowers should be aware of. The main risk of payday loans is that they have high interest rates, which can make it difficult to repay the loan on time. If you’re not able to repay the loan on time, you may end up paying more in interest and fees than you initially borrowed.

Another risk of payday loans is that they can lead to a cycle of debt. If you’re unable to repay the loan on time, you may be tempted to take out another payday loan to cover the first one. This can lead to a cycle of debt that can be difficult to break.

Interesting Facts and Statistics

  • In Ohio, the average payday loan is for $318, with an average term of 17 days.
  • Ohio has some of the lowest payday loan interest rates in the country, with a maximum interest rate of 28% APR.
  • More than 1 million Ohioans have taken out payday loans in the past decade.
  • The average Ohioan takes out 10 payday loans per year.

Apply Now

Do you need cash quickly in Scio, Ohio? Apply for a payday loan today on TheGuaranteedLoans website. We’re a connector service, not a direct lender, so we can help you find the best lender for your needs. Our online application process is fast and easy, and you can get approved within minutes. Apply now and get the cash you need to cover unexpected expenses.

Remember, payday loans in Scio, Ohio are legal and affordable, but they come with risks. Make sure you understand the terms of your loan and only borrow what you can afford to repay. With responsible borrowing practices, payday loans can be a valuable tool for managing short-term financial needs.

F.A.Q.

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

No, you cannot rollover or renew a payday loan in Scio, 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 Scio, Ohio?

Yes, there are restrictions on where payday loans can be taken out in Scio, 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:

Akron Bowling Green Brunswick Canton Chillicothe Cincinnati Cleveland Columbus Cuyahoga Falls Dayton Delaware Dublin Elyria Euclid Fairborn Fairfield Findlay Grove City Hamilton Hilliard Lakewood Lancaster Lima Lorain Mansfield Marion Mason Massillon Mentor Middletown Newark North Olmsted North Ridgeville North Royalton Reynoldsburg Springfield Stow Strongsville Toledo Warren West Chester Westerville Westlake Youngstown
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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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