Payday Loans in Shreve, Ohio

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

Company nameAddressZip codePhone number
RiverHills Bank 110 Front St, New Richmond, OH 45157 +1 (513) 553 - 3101
Fifth Third Bank & ATM 3 Turtle Creek Drive, Swanton, OH 43558 +1 (419) 825 - 1181
Citizens Bank 6241 Som Center Rd, Solon, OH 44139 +1 (440) 248 - 3034
Pink's Custom Auto Paint 3476 Shepler Church Ave SW, Canton, OH 44706 +1 (330) 575 - 7465
1st National Bank & ATM 11 US-22, Maineville, OH 45039 +1 (513) 697 - 1300
Cashland 25 N Bridge St, Chillicothe, OH 45601 +1 (740) 774 - 9876
Fifth Third Bank & ATM 511 N High St, Hillsboro, OH 45133 +1 (937) 840 - 5353
Fifth Third Bank & ATM 2673 Woodville Rd, Northwood, OH 43619 +1 (419) 698 - 4581
ACE Cash Express 1817 S Reynolds Rd, Toledo, OH 43614 +1 (419) 381 - 9212
Pack Rats Pawn Shop Findlay 10205 US-224, Findlay, OH 45840 +1 (567) 301 - 2018

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Shreve, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Warren, OH, Payday Loans in West Chester, OH, Guaranteed Loans in Westerville, OH, No Credit Check Loans in Westlake, OH, Payday Loans in Youngstown, OH, Payday Loan Without a Credit Check in Akron, OH, Payday Loans in Bowling Green, OH and Payday Loans in Brunswick, 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 Shreve, OH.

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

44676

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

Shreve, OH payday loan calculator

Advise to read before applying

Payday Loans in Shreve, Ohio

Payday loans are a type of short-term loan designed for people who need cash quickly. These loans are usually small in amount and have a very short repayment period. If you live in Shreve, Ohio, you can legally acquire payday loans at a low cost. Let’s explore payday loans in Shreve, Ohio, and everything you need to know about them.

What are Payday Loans?

Payday loans, also known as cash advances, are short-term loans that borrowers can use to cover unexpected expenses or bills. Payday loans are very different from traditional bank loans because they are usually for a small amount of money and have a short repayment period. These loans usually range between $50 and $1,000 and have a repayment period of between two weeks and one month.

Payday loans are designed to be easy to obtain. If you have a stable job and can demonstrate that you have a regular source of income, you can usually qualify for a payday loan. To get a payday loan, you’ll need to fill out an application online or at a payday loan store. The lender will then verify your income and other information before approving your loan. If you’re approved, you’ll receive the money in your bank account within a few hours or the next business day.

Are Payday Loans Legal in Shreve, Ohio?

Yes, payday loans are legal in Shreve, Ohio. However, state law limits the amount you can borrow and the interest and fees that lenders can charge. Borrowers in Ohio can borrow up to $1,500, and the repayment period cannot exceed 90 days. Lenders can charge up to 28% interest on the loan plus a verification fee of up to $5 and either 3% per month or $10 for a loan. The maximum APR on a $100 payday loan for 14 days is 391%.

The Benefits of Payday Loans

  • Easy to obtain: One of the biggest advantages of payday loans is that they are relatively easy to obtain. If you have a stable job and can demonstrate that you have a regular source of income, you can usually qualify for a payday loan.
  • Fast cash: If you’re facing a financial emergency and need cash quickly, payday loans can be a great solution. These loans are designed to be funded quickly, so you can get the money you need within a few hours or the next business day.
  • No credit check: Unlike traditional bank loans, payday loans do not require a credit check. This makes them a great option for people with poor credit or no credit history.

The Risks of Payday Loans

While payday loans can be a valuable financial tool, there are some risks that borrowers should be aware of. Some of the biggest risks include:

  • High fees: Payday loans can be expensive. If you’re not careful, the interest and fees on these loans can add up quickly, making it difficult to repay the loan on time.
  • Short repayment period: Payday loans have a very short repayment period, usually between two weeks and one month. This can make it difficult to repay the loan on time and can result in high fees and interest charges.
  • Debt cycle: Some borrowers can get stuck in a debt cycle with payday loans. If you’re unable to repay the loan on time, you may have to take out another loan to cover the first loan’s interest and fees. This can quickly spiral out of control and result in a mountain of debt.

Interesting Facts and Statistics about Payday Loans in Shreve, Ohio

  • Ohio has some of the strongest payday lending regulations in the country. These regulations help protect consumers and ensure that lenders are operating fairly.
  • In 2019, Ohio residents took out over 1 million payday loans. The total amount borrowed was over $418 million.
  • The average payday loan in Ohio is $318. The average APR on these loans is 591%.

Apply Now

If you need cash quickly and are considering a payday loan, TheGuaranteedLoans can help. We are a connector service that can help you find a lender that meets your needs. To start your application, simply fill out our online form. We’ll connect you with a lender in your area who can provide you with the cash you need. Please note that we are not a direct lender and cannot guarantee loan approval or funding.

Remember, payday loans can be a valuable financial tool, but they also come with risks. Before you take out a payday loan, make sure you understand the terms and conditions, including the interest and fees. If you’re unsure if a payday loan is right for you, you should explore other options, such as a personal loan or credit card.

F.A.Q.

Can I be charged late fees if I cannot repay a payday loan in Shreve, Ohio on time?

No, you cannot be charged late fees if you cannot repay a payday loan in Shreve, Ohio on time. However, you may be charged a one-time returned check fee if your check bounces or your electronic payment is not processed.

Are there any limits on the amount that can be borrowed with a payday loan in Shreve, Ohio?

Yes, there are limits on the amount that can be borrowed with a payday loan in Shreve, Ohio. The maximum loan amount is $1,000, and the maximum loan term is 31 days.

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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