Payday Loans in Shandon, Ohio

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

Company nameAddressZip codePhone number
Farm Credit Mid-America 1225 Irmscher Blvd suite a, Celina, OH 45822 +1 (419) 586 - 4229
NCF Savings Bank 400 N Main St, New Carlisle, OH 45344 +1 (937) 845 - 3636
LibertyX Bitcoin ATM 409 Altair Pkwy, Westerville, OH 43082 +1 (800) 511 - 8940
Farmers State Bank - Marshallville 10 N Main St, Marshallville, OH 44645 +1 (330) 855 - 8234
Circle City Pawn 124 E Main St, Circleville, OH 43113 +1 (740) 474 - 4756
Raymond James Financial Services 6156 Highland Lakes Ave, Westerville, OH 43082 +1 (614) 882 - 2265
Lendmark Financial Services LLC 6156 E Main St, Columbus, OH 43213 +1 (614) 864 - 8525
Advance America 854 S Irvine Ave, Masury, OH 44438 +1 (330) 448 - 0039
Advance America 5580 Youngstown Warren Rd #6, Niles, OH 44446 +1 (330) 505 - 9145
CheckSmart 6833 Broadway Ave, Cleveland, OH 44105 +1 (216) 206 - 2558

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Shandon, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Delaware, OH, Payday Loans in Dublin, OH, Payday Loan for Elyria, OH, 24-Hour Loan in Euclid, OH, Payday Loans in Fairborn, OH, Payday Loans in Fairfield, OH, Payday Loan for Findlay, OH and Payday Loan Companies in Grove City, 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 Shandon, OH.

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

45013, 45063

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

Shandon, OH payday loan calculator

Advise to read before applying

Understanding Payday Loans in Shandon, Ohio

If you’re looking for financial assistance in Shandon, Ohio, you may have heard of payday loans. Also known as a cash advance or payday advance, a payday loan is a short-term loan that allows you to borrow a small amount of money to cover your expenses until your next paycheck.

In Ohio, payday loans are legal, but with certain restrictions to protect consumers. If you’re considering a payday loan in Shandon, it’s important to understand the regulations and requirements.

Legal Requirements for Payday Loans in Ohio

Under Ohio law, payday lenders must be licensed by the Ohio Department of Financial Institutions. They are also required to follow certain rules and regulations to protect borrowers.

Ohio law limits the amount of money you can borrow through a payday loan to $1,000 or 25% of your gross monthly income, whichever is less. The loan term must be between 91 days and one year, and the interest rate cannot exceed 28%.

Additionally, Ohio law prohibits payday lenders from:

  • Charging more than one origination fee per loan
  • Making more than one loan at a time to a borrower
  • Renewing or extending loans more than twice
  • Charging fees or interest that exceed 60% of the loan’s original principal amount after the first 30 days of the loan term

It’s important to keep in mind that payday loans are meant to be used for short-term financial needs and should not be relied on as a long-term financial solution.

Applying for a Payday Loan in Shandon, Ohio

If you’re considering a payday loan in Shandon, Ohio, here’s what you need to know:

  • You must be at least 18 years old
  • You must have a valid government-issued ID and a Social Security number
  • You must have a valid checking account
  • You must have proof of income, such as a pay stub or bank statement

To apply for a payday loan, you will need to fill out an application with a payday lender. If you’re approved, you will typically receive the money within one business day.

It’s important to read the terms and conditions carefully before accepting a payday loan. Make sure you understand the repayment schedule, interest rates, and any fees associated with the loan.

Interesting Facts about Payday Loans in Shandon, Ohio

Did you know that:

  • Approximately one in 10 Ohioans has taken out a payday loan in the past?
  • The average payday loan in Ohio is $318?
  • Ohio’s payday lenders make more than $500 million in fees every year?

These statistics highlight the popularity of payday loans in Ohio and the importance of understanding the regulations and risks associated with them.

Apply Now for a Payday Loan in Shandon, Ohio

If you’re in need of financial assistance in Shandon, Ohio, TheGuaranteedLoans can help connect you with potential lenders. Fill out our online application today to get started.

Please note that TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions and do not guarantee loan approval. However, we strive to connect borrowers with potential lenders to help them find the financial assistance they need.

F.A.Q.

How do I apply for a payday loan in Shandon, Ohio?

To apply for a payday loan in Shandon, Ohio, you will need to provide the lender with proof of income, a valid ID, and a checking account. The lender will then review your information and determine if you are eligible for a loan.

What are the fees and interest rates associated with payday loans in Shandon, Ohio?

in Shandon, Ohio, payday lenders are allowed to charge a finance charge of up to 28% of the loan amount, plus a $20 verification fee. This means that a $100 loan can have fees of up to $48, resulting in a total repayment amount of $148.

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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