Payday Loans in Scioto Furnace, Ohio

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

Company nameAddressZip codePhone number
check n go, Check n Go Store Directory 2062 Romig Rd, Akron, OH 44310 +1 (330) 745 - 0000
Gallipolis Pawn Shop 324 2nd Ave, Gallipolis, OH 45631 +1 (740) 446 - 0840
U.S. Bank ATM - Sardinia 102 Winchester St, Sardinia, OH 45171 +1 (800) 872 - 2657
Huntington Bank 27 E Main St, New Concord, OH 43762 +1 (740) 826 - 4455
Austintown Pawn Inc 3700 Mahoning Ave, Youngstown, OH 44515 +1 (330) 792 - 7001
Lendmark Financial Services LLC 5305 Monroe St 1, Toledo, OH 43623 +1 (419) 882 - 2712
Risner Auto Group LLC 1809 Baltimore St, Defiance, OH 43512 +1 (419) 980 - 9745
Farmers & Merchants State Bank 300 S Defiance St, Stryker, OH 43557 +1 (419) 682 - 3411
Croghan Colonial Bank 1 Union Sq, Bellevue, OH 44811 +1 (419) 483 - 2541
First Service Federal Credit Union 255 E Main St, Columbus, OH 43215 +1 (614) 836 - 0100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Scioto Furnace, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cuyahoga Falls, OH, Payday Loans in Dayton, OH, Bad Credit Loans in Delaware, OH, Payday Loans in Dublin, OH, 24-Hour Loan in Elyria, OH, Payday Loans in Euclid, OH, Same Day Loans in Fairborn, OH and 24-Hour Loan in Fairfield, 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 Scioto Furnace, OH.

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

Scioto Furnace, OH payday loan calculator

Advise to read before applying

Payday Loans in Scioto Furnace, Ohio: A Comprehensive Guide

When an unexpected expense arises, it’s never easy to cover it with existing funds. Sometimes, even a small shortfall in finances can lead to a difficult situation. However, payday loans can be a useful tool to bridge the gap between expenses and income. Fortunately, payday loans are legal in Ohio. In this article, we’ll explore payday loans in Scioto Furnace, Ohio, and provide clear guidelines to help you make an informed decision.

What are Payday Loans?

A payday loan is a short-term, high-cost loan that can help cover expenses until the next payday. They’re designed to bridge the gap between expenses and income. These loans are often due on your next payday, and can carry an annual percentage rate (APR) of up to 400%. However, in Ohio, payday lenders are required by law to cap the APR at 28%, making them more affordable for borrowers.

Payday loans can be obtained from payday lenders, both in-store and online. The process of applying for a payday loan is typically straightforward and may not require a credit check. However, it’s important to note that the loan amount and eligibility criteria will vary based on the lender.

Applying for a Payday Loan in Scioto Furnace, Ohio

If you’re considering applying for a payday loan in Scioto Furnace, Ohio, it’s important to be aware of the rules regarding these loans. Ohio has several requirements that payday lenders must adhere to, including:

  • Limit of one loan at a time per lender
  • 24-hour cooling-off period between loans
  • Maximum loan amount of $1,000 or 25% of the borrower’s gross income, whichever is less
  • Maximum loan term of 31 days
  • Interest rate cap of 28%

To apply for a payday loan in Scioto Furnace, Ohio, you must be at least 18 years old, have a regular source of income, and have an active checking account. The lender may also require proof of income, such as a pay stub or bank statement, and a government-issued ID.

It’s essential to read and understand the terms and conditions of the loan before signing the contract. If there’s something you don’t understand, don’t hesitate to ask the lender to clarify before agreeing to the loan. It’s crucial to borrow only what you can pay back on time, as late payments can result in costly fees and collections proceedings.

Benefits of Payday Loans in Scioto Furnace, Ohio

Payday loans can be beneficial in several ways. They’re fast and quick to obtain, and the application process is generally straightforward. Payday loans may be available to those with bad or no credit, whereas traditional loans may require a credit check and minimum credit score.

The Ohio State law also prioritizes borrower protection, where all lenders must follow strict APR cap-based interest rates. This ensures that borrowers are protected from insanely high interest rates and fees that payday loans in other states can carry.

Interesting Facts and Statistics

  • The first payday loan store in the United States was founded in Cleveland, Ohio, in 1993.
  • In 2019, there were 1,177 licensed payday lenders in Ohio, with an average loan amount of $334 and a total of over $380 million in loans made that year.
  • There were over 10,000 payday loan complaints filed in Ohio in 2019.
  • Many payday loan borrowers in Ohio are repeat customers. According to a 2019 study by Pew Charitable Trusts, 69% of payday loan borrowers in Ohio took out a new payday loan to repay an existing one, showing the cycle of debt.

Apply Now

If you’re considering a payday loan in Scioto Furnace, Ohio, TheGuaranteedLoans can help. We’re a connector service, connecting borrowers with potential lenders. Our online application process is straightforward and secure, and lenders can offer loan amounts of up to $1,000. The application process typically takes just a few minutes, and you may be able to receive funding as soon as the next business day. Apply now and see for yourself how simple and straightforward payday loans can be.

Disclaimer: TheGuaranteedLoans is a lender connection service and not a direct lender. We do not make credit decisions or provide loans. We may receive compensation from lenders for providing referral services.

In Conclusion

Payday loans can be a useful tool to help cover unexpected expenses. However, it’s essential to be an informed borrower and understand the risks and benefits of these loans. Ohio has strict laws surrounding payday loans, making them a more affordable option for borrowers. Applying for a payday loan can be straightforward, but it’s important to borrow only what you can afford to pay back and to understand the terms and conditions of the loan. If you’re considering a payday loan in Scioto Furnace, Ohio, TheGuaranteedLoans can provide a secure and straightforward way to connect with potential lenders. Get started now and see for yourself how payday loans can help you bridge the gap between expenses and income.

F.A.Q.

Can I be charged a higher interest rate or fee if I have bad credit or no credit history in Scioto Furnace, Ohio?

No, you cannot be charged a higher interest rate or fee if you have bad credit or no credit history in Scioto Furnace, Ohio. The maximum interest rate and fee that can be charged on payday loans in Scioto Furnace, Ohio are set by state law and are the same for all borrowers, regardless of their credit history.

Are there any alternatives to payday loans in Scioto Furnace, Ohio?

Yes, there are alternatives to payday loans in Scioto Furnace, Ohio, such as small dollar loans, credit union loans, and installment loans. These options may have lower interest rates and fees, longer repayment terms, and more flexible eligibility requirements than payday loans.

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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