Payday Loans in Shawnee, Ohio

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

Company nameAddressZip codePhone number
First Federal Lakewood - North Royalton 6160 Royalton Rd, North Royalton, OH 44133 +1 (440) 582 - 2010
Stifel 1695 Niles Cortland Rd NE 1, Warren, OH 44484 +1 (330) 393 - 1567
LCNB National Bank 1243 Rombach Ave, Wilmington, OH 45177 +1 (513) 932 - 1414
First Federal Bank 118 S Sandusky Ave, Upper Sandusky, OH 43351 +1 (419) 294 - 5781
Merchants National Bank 31348 Primmer Rd, Logan, OH 43138 +1 (740) 380 - 3766
Peoples Bank 300 Main St, Lowell, OH 45744 +1 (740) 896 - 2369
Check `n Go 991 Ashland Rd, Mansfield, OH 44905 +1 (419) 589 - 2444
MoneyGram 540 W Liberty St, Hubbard, OH 44425 +1 (330) 534 - 9871
First State Bank 210 Pike St, Manchester, OH 45144 +1 (937) 549 - 2621
Golden Circle Credit Union Inc 4118 Lincoln Way E, Massillon, OH 44646 +1 (330) 479 - 3130

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Shawnee, OH, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Reynoldsburg, OH, Payday Loans in Springfield, OH, No Credit Check Loans in Stow, OH, Payday Loans in Strongsville, OH, Payday Loans in Toledo, OH, Same Day Loans in Warren, OH, Online Loans in West Chester, OH and No Credit Check Loans in Westerville, 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 Shawnee, OH.

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

43782

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

Shawnee, OH payday loan calculator

Advise to read before applying

Payday Loans in Shawnee, Ohio: Legal and Available

When unexpected expenses arise, it can be stressful and challenging to find the funds to cover them. This is where payday loans come in. These short-term loans allow borrowers to access cash quickly and easily, with the understanding that they will repay the loan with their next paycheck.

If you’re in Shawnee, Ohio, you may be wondering about the availability and legality of payday loans in your area. Fortunately, Ohio law allows for payday loans, with certain regulations to protect consumers.

How do payday loans work?

Payday loans are designed to be a short-term solution for financial emergencies. Borrowers can typically access loans of up to $1,000, with repayment due within a few weeks, or on the borrower’s next payday.

The application process for payday loans is typically straightforward, with borrowers providing proof of income and identification. The lender will then evaluate the application and determine the loan amount and interest rate.

The legality of payday loans in Ohio

In Ohio, payday loans are legal, with several regulations in place to protect consumers. The laws set a cap on the interest rate, with lenders restricted to charging no more than 28% APR on loans under $1,000.

There are also laws regarding loan renewals, with borrowers limited to four renewals for each loan. Additionally, lenders must provide a repayment plan option if the borrower has taken out three consecutive loans.

Benefits of payday loans

While payday loans are not a long-term financial solution, they can provide several benefits, including:

  • Fast access to cash
  • No credit check required
  • Easy application process
  • Fewer requirements compared to traditional bank loans

Things to consider before taking out a payday loan

While payday loans can be a helpful resource for short-term financial needs, there are several things to consider before taking out a loan:

  • The interest rate may be higher than traditional bank loans
  • The loan must be repaid in full by the due date
  • Renewals can lead to a debt cycle and difficulty repaying
  • You may have other options, such as borrowing from a friend or family member or seeking financial assistance from a nonprofit organization

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If you’re facing an unexpected expense and need a payday loan in Shawnee, Ohio, TheGuaranteedLoans can help. We are a connector service, connecting borrowers with potential lenders who can offer payday loans that meet their needs. Our online application is easy to use, and we work with a network of reputable lenders to help you find the best loan option for your unique financial situation.

Remember, payday loans should be used responsibly and only in cases of emergency. If you have questions about payday loans or need assistance finding other resources, please reach out to a financial professional or nonprofit organization in your area.

Facts and statistics about payday loans in Shawnee, Ohio

According to the Ohio Department of Commerce, there were 1,045 licensed payday lenders in Ohio as of 2020, with 17,414 licensed locations across the state.

In 2019, Ohio payday lenders made more than 1.4 million loans, with a total value of almost $469 million.

The average payday loan amount in Ohio is $350, with borrowers paying an average interest rate of 591% APR.

In 2018, Ohio passed legislation that would allow payday lenders to offer installment loans, which allow for longer repayment periods and larger loan amounts. However, the implementation of this legislation has been delayed due to legal challenges and regulatory changes.

F.A.Q.

Are there any protections for borrowers in Shawnee, Ohio when it comes to payday loans?

Yes, there are protections for borrowers in Shawnee, Ohio when it comes to payday loans. For example, lenders must provide borrowers with a written disclosure statement outlining the terms of the loan, including the interest rate and fees. Additionally, lenders are prohibited from engaging in abusive or unfair lending practices.

What should I consider before taking out a payday loan in Shawnee, Ohio?

Before taking out a payday loan in Shawnee, Ohio, it is important to carefully consider your financial situation and whether a payday loan is the best option. You should also compare rates and fees from multiple lenders to ensure you are getting the best deal possible. Additionally, it is important to have a plan in place to repay the loan on time to avoid any negative consequences.

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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