Payday Loans in Somerdale, Ohio

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

Company nameAddressZip codePhone number
Cashland 25 N Bridge St, Chillicothe, OH 45601 +1 (740) 774 - 9876
Mahoning Valley Economic Development Corporation 4319 Belmont Ave, Youngstown, OH 44505 +1 (330) 759 - 3668
First National Bank 3296 W Market St, Fairlawn, OH 44333 +1 (234) 900 - 5940
State Bank 1232 N Main St, Bowling Green, OH 43402 +1 (419) 353 - 0026
Capital Wealth Partners 429 2nd St, Portsmouth, OH 45662 +1 (740) 354 - 9900
Lincoln Financial Group 2 Summit Park Dr 120, Independence, OH 44131 +1 (216) 901 - 1302
Advance America 6173 Glenway Ave, Cincinnati, OH 45211 +1 (513) 389 - 1111
Huntington Bank 1425 S Court St, Circleville, OH 43113 +1 (740) 477 - 3051
Nations Lending 1321 Industrial Pkwy N, Brunswick, OH 44212 +1 (440) 785 - 0963
Milton Banking Co 123 S Ohio Ave, Wellston, OH 45692 +1 (740) 384 - 2116

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Somerdale, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Stow, OH, 24-Hour Loan in Strongsville, OH, Payday Loan Without a Credit Check in Toledo, OH, Guaranteed Loans in Warren, OH, Payday Loans in West Chester, OH, Quick Loan in Westerville, OH, Guaranteed Loans in Westlake, OH and Payday Loans in Youngstown, 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 Somerdale, OH.

Useful Articles

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

Somerdale, OH payday loan calculator

Advise to read before applying

Payday Loans in Somerdale, Ohio: Everything You Need to Know

Payday loans are a popular option for many people who need cash quickly. They are a type of short-term loan that can be obtained without a credit check. If you need a payday loan in Somerdale, Ohio, you will find that they are legal and affordable.

How Payday Loans Work

Payday loans work by providing you with a small loan that you will repay on your next payday. The amount of the loan will depend on your income and other factors. In Ohio, the maximum amount you can borrow through a payday loan is $1,000, and the maximum loan term is 6 months.

When you apply for a payday loan in Somerdale, Ohio, you will typically need to provide proof of income, such as a recent pay stub or bank statement. You will also need to provide proof of address and a valid ID.

If you are approved for a payday loan, you will typically receive the funds within one to two business days after application. You will then have to repay the loan, plus interest and fees, on your next payday. If you are unable to repay the loan on your next payday, you can typically roll it over for an additional fee.

The Cost of Payday Loans in Somerdale, Ohio

Although payday loans are legal in Somerdale, Ohio, they are still subject to regulation. Ohio law stipulates that the annual percentage rate (APR) on payday loans must not exceed 28%. Additionally, the maximum finance charge is $20 per $100 borrowed.

It’s essential to remember that payday loans are an expensive form of credit. If you cannot repay the loan on time, you may end up paying additional fees and interest charges, which can add up quickly.

Benefits of Payday Loans in Somerdale, Ohio

Despite the high cost of payday loans, they do offer several benefits. For one, they provide fast access to cash, which can be crucial in an emergency. They are also easy to apply for, and you don’t need good credit to be approved.

Moreover, if you use payday loans responsibly, they can help you meet your short-term financial needs without disrupting your long-term financial goals.

Interesting Facts about Payday Loans in Somerdale, Ohio

  • As of 2021, there are over 1,000 payday loan storefronts operating in Ohio.
  • In 2019, Ohio lawmakers passed the Ohio Fairness in Lending Act, which placed new restrictions on payday lenders.
  • The average APR on payday loans in Ohio is 591%.

Apply Now for a Payday Loan in Somerdale, Ohio

If you are in need of a payday loan in Somerdale, Ohio, TheGuaranteedLoans can help you connect with potential lenders. We are not a direct lender, but we are a connector service that can help you find the right loan for your needs.

To apply for a payday loan, simply fill out an online application on our website. We will ask for some basic information, such as your name, address, and income. We will then match you with potential lenders who can provide you with the loan you need.

Remember, payday loans are a short-term form of credit and should not be relied upon as a long-term solution. However, if you use them responsibly, they can provide you with the financial support you need to get through a tough time.

F.A.Q.

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

To apply for a payday loan in Somerdale, Ohio, you must be at least 18 years old and have a valid ID, proof of income, and a bank account. You can apply online, by phone, or in person at a payday lending store.

How much can I borrow with a payday loan in Somerdale, Ohio?

The maximum amount that you can borrow with a payday loan in Somerdale, Ohio is $1,000. However, the actual amount that you can borrow will depend on your income and the lender's lending policies.

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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