Payday Loans in Scott, Ohio

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

Company nameAddressZip codePhone number
Mariner Finance 140 McMahan Blvd, Marion, OH 43302 +1 (740) 692 - 7424
Huntington Bank 3504 W Siebenthaler Ave RD, Dayton, OH 45406 +1 (937) 356 - 6280
AgCredit 2500 W Market St, Tiffin, OH 44883 +1 (419) 447 - 0787
store 950 N Main St, Findlay, OH 45840
Fifth Third Bank & ATM 500 E Main St, West Union, OH 45693 +1 (937) 544 - 5526
CheckSmart 2129 Needmore Rd, Dayton, OH 45414 +1 (937) 567 - 1450
Avon Lake Catholic Cu 32929 Lake Rd, Avon Lake, OH 44012 +1 (440) 933 - 2524
Cashland 703 Pike St, Marietta, OH 45750 +1 (740) 376 - 9202
Kemba Credit Union 1014 Vine St, Cincinnati, OH 45202 +1 (513) 762 - 5070
1st National Financial Services 7639 Farmsbury Dr, Reynoldsburg, OH 43068 +1 (614) 436 - 1622

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Scott, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Findlay, OH, Online Loans in Grove City, OH, Short-term Loans in Hamilton, OH, Short-term Loans in Hilliard, OH, Payday Loans in Lakewood, OH, Payday Loans in Lancaster, OH, Payday Loan Companies in Lima, OH and Payday Loans in Lorain, 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 Scott, OH.

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

45886

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

Scott, OH payday loan calculator

Advise to read before applying

Understanding Payday Loans in Scott, Ohio: Everything You Need to Know

Payday loans, also known as cash advances, are short-term loans that provide borrowers with quick cash. In Ohio, payday loans are legal and can be obtained at a low cost. However, it is important to understand how these loans work and the potential risks involved before obtaining one.

How Payday Loans Work in Scott, Ohio

Payday loans are typically used to cover unexpected expenses or to bridge the gap between paychecks. In Scott, Ohio, payday loans can be obtained from both physical stores and online lenders.

To obtain a payday loan, borrowers must provide a post-dated check for the loan amount plus fees or authorize the lender to debit their bank account on the due date. The due date is usually within two weeks to a month, depending on the lender and the state regulations.

Ohio law restricts payday loan amounts to a maximum of $1,000 with a maximum loan term of 6 months. Lenders are also required to provide borrowers with a written disclosure of all fees and charges associated with the loan.

The Risks of Payday Loans

While payday loans can provide quick cash, they often come with high fees and interest rates. In Ohio, lenders can charge up to 28% annual percentage rate (APR) on payday loans, which can translate to an effective APR of almost 400% for a 14-day loan.

Moreover, since payday loans are often used by financially vulnerable individuals, borrowers may find themselves caught in a cycle of debt where they have to take out additional loans to pay off their existing ones.

It is important to understand all the fees and charges associated with payday loans and to have a plan to repay the loan on time to avoid accruing additional fees and damaging your credit score.

Interesting Facts and Statistics About Payday Loans in Scott, Ohio

  • In 2019, Ohioans borrowed more than $502 million in payday loans and paid over $185 million in fees and interest.
  • The average payday loan fee in Ohio is $16.76 per $100 borrowed.
  • More than 80% of payday loans in Ohio are taken out within two weeks of the borrower paying off their previous loan.

Apply Now: Connect with Potential Lenders Today

If you need quick cash and are considering a payday loan in Scott, Ohio, TheGuaranteedLoans can help you connect with potential lenders. As a connector service, we work with a network of trusted lenders who can provide you with the loan you need.

Simply fill out our online application and we’ll match you with lenders who can offer you the best loan terms and fees based on your individual financial situation. Remember, payday loans should be used as a last resort and it’s important to understand the potential risks involved before obtaining one.

Choose TheGuaranteedLoans today and take the first step towards your financial goals!

F.A.Q.

Can I file a complaint against a payday lender in Scott, Ohio if I feel that they have violated state or federal laws?

Yes, you can file a complaint against a payday lender in Scott, Ohio if you feel that they have violated state or federal laws. You can file a complaint with the Ohio Department of Commerce, the Consumer Financial Protection Bureau, or the Federal Trade Commission.

What happens if I default on a payday loan in Scott, Ohio?

If you default on a payday loan in Scott, Ohio, the lender may use collection methods, such as contacting you by phone or mail, reporting the debt to credit bureaus, or garnishing your wages, to collect the debt. Defaulting on a payday loan can also damage your credit score and make it more difficult to obtain credit in the future.

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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