Payday Loans in South Charleston, Ohio

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

Company nameAddressZip codePhone number
Guaranteed Auto of Defiance 1209 Baltimore St 3905, Defiance, OH 43512 +1 (419) 782 - 1498
Huntington Bank 10787 North St, Garrettsville, OH 44231 +1 (330) 527 - 2164
First Federal Lakewood - Rocky River 20425 Center Ridge Rd, Rocky River, OH 44116 +1 (440) 895 - 9586
CheckSmart 140 S Sandusky St, Delaware, OH 43015 +1 (740) 362 - 4081
722 Redemption Funding 3700B Park 42 Dr 150a, Cincinnati, OH 45241 +1 (888) 721 - 2800
First National Bank 3410 Venice Rd, Sandusky, OH 44870 +1 (419) 621 - 7340
CashMax Ohio 4613 Tuscarawas St W, Canton, OH 44708 +1 (330) 915 - 5870
Eight Federal Credit Union 727 Lime City Rd 400, Rossford, OH 43460 +1 (419) 666 - 7334
Huntington Bank 2550 Woodville Rd, Northwood, OH 43619 +1 (419) 254 - 7039
Merchants National Bank 2829 Rombach Ave, Wilmington, OH 45177 +1 (937) 805 - 0332

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in South Charleston, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Marion, OH, 24-Hour Loan in Mason, OH, Payday Loans in Massillon, OH, Payday Loans in Mentor, OH, 24-Hour Loan in Middletown, OH, Quick Loan in Newark, OH, Quick Loan in North Olmsted, OH and Payday Loans in North Ridgeville, 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 South Charleston, OH.

Beautiful sights of South Charleston, OH

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

45368

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

South Charleston, OH payday loan calculator

Understanding Payday Loans in South Charleston, Ohio

Life can throw unexpected financial curveballs when you least expect them. These emergencies can range from a car breakdown, medical bills or other urgent expenses that need to be taken care of quickly. While savings can help foot some of these bills, sometimes we do not have enough in reserve to cater for the problem at hand. Payday loans in South Charleston, Ohio, are a popular way to deal with these emergencies.

In this article, we’ll look at what payday loans are, how they work, what makes Ohio payday loans different, and how you can get one from TheGuaranteedLoans, a connectivity service that connects you to a lender that meets your loan requirements.

What are payday loans?

Payday loans, also known as cash advances or paycheck advances, are short-term loans that typically have high-interest rates. They are often lent out in small amounts and are designed to be repaid on the next payday. The borrower provides a post-dated check or authorizes the lender to extract funds from their bank account when the loan falls due.

Payday loans are a quick and convenient way to access cash when you need it. They are often used to cover unexpected expenses, such as rent or utility bills, that cannot wait until the next paycheck.

How do payday loans work?

Payday loans work on the premise that the borrower will repay the loan with their next paycheck. When the borrower receives their next paycheck, they either pay the loan in full or allow the lender to debit their account and automatically withdraw the amount due.

The terms and conditions of payday loans vary from lender to lender, and the amount of money that a borrower can qualify for also differs. In South Charleston, Ohio, borrowers can qualify for payday loans of up to $1,000 or 25% of their gross monthly income, whichever is less.

What Makes Payday Loans In Ohio Different?

Many states across the US have banned payday loans or limited the number of payday loans that people can take. However, Ohio’s state government recognises that people need access to quick cash, especially when emergencies strike. That’s why lawmakers have enacted laws that make payday loans legal, but at a lower cost than most other states.

In South Charleston, Ohio, annual percentage rates (APRs) on payday loans are capped at 28%. This means that borrowers do not have to pay exorbitant interest rates that can result in a debt cycle that is impossible to break. The state also limits borrowers to a maximum of four loans per year.

Facts and Statistics about Payday Loans in South Charleston, Ohio

  • Ohio has over 800 payday lending storefronts, which is more than the number of McDonald’s or Starbucks outlets in the state combined.
  • The average payday loan taken out in Ohio is about $300, with an average interest rate of 598%.
  • The average Ohio borrower takes out at least three payday loans per year, and the average loan size increases with each new loan.

How to Apply for a Payday Loan at TheGuaranteedLoans

TheGuaranteedLoans is a connectivity service that connects borrowers in need of payday loans with lenders that can meet their loan requirements. We understand that financial emergencies can come without warning, and our goal is to connect you to a lender quickly and efficiently, giving you access to the funds you need to handle the situation.

Our application process is simple, fast and stress-free. Here’s how to apply:

  • Fill the application form on our website in a few minutes.
  • Submit the form for our proprietary software to assess your information and identify a lender that meets your requirements.
  • If approved, complete the loan process directly with the lender.

Please note: TheGuaranteedLoans is not a direct lender. We act as a connection service matching our borrowers with potential lenders who meet their loan requirements.

Conclusion

A payday loan may be a useful financial tool in times of financial stress. It is important to consider the interest rates and loan terms before taking out a loan. However, the good news is that the state of Ohio regulates payday loans at a lower rate than most other states.

At TheGuaranteedLoans, we understand that financial emergencies happen, and we are committed to providing an efficient and stress-free application process to connect you with lenders that can meet your needs.

Apply for a payday loan with us today, and get the cash you need to meet your financial obligations.

F.A.Q.

What happens if I cannot repay my payday loan in South Charleston, Ohio?

If you cannot repay your payday loan in South Charleston, Ohio, you may be subject to late fees, collection efforts, and legal action. It is important to contact your lender as soon as possible to discuss your options and avoid defaulting on your loan.

Can I get a payday loan in South Charleston, Ohio if I have filed for bankruptcy?

Yes, you can still get a payday loan in South Charleston, Ohio if you have filed for bankruptcy, as long as you can provide proof of income and meet the lender's other requirements.