Payday Loans in Sedalia, Ohio

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

Company nameAddressZip codePhone number
Principal Financial Services 88 E Rice St, Continental, OH 45831 +1 (419) 930 - 5389
Croghan Colonial Bank 100 N Main St, Clyde, OH 43410 +1 (419) 547 - 9525
The Fort Jennings State Bank 12 E Main St, Leipsic, OH 45856 +1 (419) 943 - 2528
Money Concepts 100 S Main Ave 206, Sidney, OH 45365 +1 (937) 498 - 4041
Woodforest National Bank 2281 S Main St, Bellefontaine, OH 43311 +1 (937) 292 - 7253
WesBanco Bank 404 Solida Rd, South Point, OH 45680 +1 (740) 377 - 2737
U.S. Bank Branch 68 Main St, Bellville, OH 44813 +1 (419) 886 - 3341
The Savings Bank 118 N Court St, Circleville, OH 43113 +1 (740) 474 - 3191
Raymond James Financial Services 650 N Detroit St, Xenia, OH 45385 +1 (937) 374 - 2222
RiverHills Bank 1719 E Ohio Pike, Amelia, OH 45102 +1 (513) 797 - 4600

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sedalia, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cincinnati, OH, Payday Loan for Cleveland, OH, Payday Loans in Columbus, OH, 24-Hour Loan in Cuyahoga Falls, OH, No Credit Check Loans in Dayton, OH, No Credit Check Loans in Delaware, OH, Payday Loans in Dublin, OH and Payday Loan Without a Credit Check in Elyria, 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 Sedalia, OH.

Useful Articles

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

Sedalia, OH payday loan calculator

Advise to read before applying

Payday Loans in Sedalia, Ohio: A Comprehensive Guide

Are you a resident of Sedalia, Ohio, and in need of quick cash to take care of unexpected expenses? Perhaps you’ve heard about payday loans and are wondering if they are a good option for you. This guide will provide you with everything you need to know about payday loans in Sedalia, Ohio.

What are Payday Loans?

Payday loans are a type of short-term loan designed for individuals who need quick cash to take care of unexpected expenses. These loans are usually due on your next payday, and most lenders require that you have a steady income to qualify.

In Ohio, payday loans are legal but are subjected to rules and restrictions to protect customers from predatory lenders. The interest rates on payday loans in Ohio are capped at 28%, while the maximum loan amount is $1,000 or 25% of your gross monthly income, whichever is less.

How Do Payday Loans Work?

Payday loans are usually applied online. You’ll need to provide personal and financial information that varies depending on the lender’s requirements. Some lenders may require a credit check, while others don’t.

Once you’ve been approved for a payday loan, the lender will transfer the loan amount to your bank account, usually within 24 hours. The loan amount plus interest and fees will be automatically deducted from your bank account on your next payday.

It’s important to note that payday loans are meant to be short-term loans, and you should only borrow if you can afford to pay it back according to the lender’s repayment terms. Rolling over your payday loan can lead to a debt cycle that’s hard to break.

Benefits of Payday Loans

  • Quick access to cash when you need it
  • Easy and straightforward application process
  • No collateral required
  • Bad credit or no credit history may not disqualify you from getting a loan

Drawbacks of Payday Loans

  • High-interest rates and fees
  • Short repayment terms that may lead to a debt cycle
  • May not be available in all states
  • Some lenders may engage in predatory practices

Important Things to Consider When Getting a Payday Loan

  • Take the time to read and understand the lender’s repayment terms and fees
  • Check if the lender is licensed and registered to operate in Ohio
  • Only borrow what you can afford to repay
  • Avoid rolling over your payday loan as it may lead to a debt cycle
  • Consider alternative options if payday loans are not the right fit for you

Interesting Facts and Statistics about Payday Loans in Sedalia, Ohio

  • The average payday loan amount in Ohio is $345
  • In 2020, Ohio payday lenders charged an average interest rate of 296%
  • In 2019, customers in Ohio took 1.8 million payday loans
  • Ohio payday lenders earned $185 million in fees in 2019
  • 69% of Ohio payday loan borrowers use the loans to cover recurring expenses

Apply Now

If you’re considering getting a payday loan in Sedalia, Ohio, TheGuaranteedLoans can help you connect with potential lenders. Fill out our online application form, and we’ll forward your information to our network of lenders. It’s important to note that TheGuaranteedLoans is not a direct lender, and we don’t make any credit decisions. We’re a connector service that helps customers find lenders who may be able to meet their financial needs.

Applying for payday loans through TheGuaranteedLoans is easy and straightforward. Simply provide us with your personal and financial information, and we’ll take care of the rest. Get started by visiting our website and filling out our online application form today!

F.A.Q.

Can I get a payday loan in Sedalia, Ohio if I have bad credit?

Yes, payday loans in Sedalia, Ohio are typically available to borrowers with bad credit, as they do not require a credit check.

What fees are associated with a payday loan in Sedalia, Ohio?

In addition to the interest, payday loans in Sedalia, Ohio may also include fees for processing, origination, and late payments.

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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