Payday Loans in Southington, Ohio

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

Company nameAddressZip codePhone number
KeyBank 8609 Owenfield Dr, Powell, OH 43065 +1 (740) 549 - 6580
Loanmax Title Loans 668 Hebron Rd, Heath, OH 43056 +1 (740) 281 - 2642
PNC Bank 11 W Main St, Logan, OH 43138 +1 (740) 385 - 5643
Advance America 716 W Market St e, Tiffin, OH 44883 +1 (419) 443 - 8349
The Croghan Colonial Bank 147 W Water St, Oak Harbor, OH 43449 +1 (419) 898 - 5741
WesBanco Bank 1210 N Court St, Circleville, OH 43113 +1 (740) 420 - 3520
Mc Donald Community Federal CU 408 Ohio Ave, McDonald, OH 44437 +1 (330) 530 - 5091
LibertyX Bitcoin ATM 6558 Riverside Dr, Dublin, OH 43017 +1 (800) 511 - 8940
CheckSmart 4550 Monroe St, Toledo, OH 43613 +1 (419) 472 - 5007
Eagle Loan 714 N Memorial Dr, Lancaster, OH 43130 +1 (740) 994 - 0460

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Southington, OH, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Toledo, OH, Short-term Loans in Warren, OH, Payday Loans in West Chester, OH, Payday Loans in Westerville, OH, No Credit Check Loans in Westlake, OH, Payday Loans in Youngstown, OH, Same Day Loans in Akron, OH and Payday Loans in Bowling Green, 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 Southington, OH.

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

44470

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

Southington, OH payday loan calculator

Are you in need of some quick cash but aren’t sure where to turn? A payday loan might be just what you need. If you’re in Southington, Ohio, you’re in luck – payday loans are legal and regulated in Ohio, making it easier than ever to get the money you need, fast. Here’s what you need to know about payday loans in Southington, Ohio.

What is a Payday Loan?

A payday loan is a short-term loan that is typically due on your next payday. These loans are designed to be quick and easy to obtain, making them a popular choice for people who need to cover unexpected expenses or bills. Whether you need to pay for car repairs, medical bills, or simply need some extra cash to cover your bills until your next paycheck, a payday loan can provide the funds you need.

Payday Loan Regulations in Ohio

If you’re considering a payday loan in Ohio, it’s important to understand the regulations governing these loans. While payday loans are legal in Ohio, the state has enacted strict laws to protect borrowers from high-interest loans that can lead to a cycle of debt. Ohio law limits payday loans to an annual percentage rate (APR) of 28 percent, and lenders are prohibited from charging additional fees, such as prepayment penalties or origination fees. Additionally, Ohio law requires lenders to offer a payment plan to borrowers who are unable to repay the loan in full on the due date.

How to Qualify for a Payday Loan in Southington, Ohio

Qualifying for a payday loan in Southington, Ohio is typically straightforward. Most lenders require that you have a steady source of income, a valid checking account, and a government-issued ID. You’ll also need to be at least 18 years of age and a resident of the state of Ohio.

When you apply for a payday loan, you’ll typically need to provide proof of income, such as a pay stub or bank statement, as well as personal information, such as your name, address, and phone number. Lenders will also need to verify your employment and banking information to ensure that you’re able to repay the loan.

Benefits of Payday Loans

Payday loans offer a number of benefits to borrowers, including:

  • Quick and easy access to cash when you need it
  • No credit check required
  • Funds can be used for any purpose
  • Flexible repayment terms

For people who need money quickly and don’t have good credit, payday loans can be a lifesaver.

Interesting facts about Payday Loans in Southington, Ohio

  • The average payday loan in Ohio is for $300, with an average loan term of 14 days.
  • Ohio has the highest payday lending interest rates in the nation, with an average APR of 677 percent.
  • In 2018, Ohioans borrowed nearly $1.5 billion in payday loans.
  • The majority of payday loan borrowers in Ohio are white and female, with an average age of 35.

Apply Now

If you’re in need of a payday loan in Southington, Ohio, TheGuaranteedLoans can help. Our online application process is quick, easy, and secure, and we’ll connect you with lenders who meet your specific needs. Simply fill out our online application form and we’ll do the rest. Please note that we are a connector service and not a direct lender. We are committed to connecting you with reputable lenders who offer fair loan terms and fees.

Remember, a payday loan can provide the quick cash you need to cover unexpected expenses or bills. However, it’s important to borrow responsibly and only borrow what you can afford to repay. With the right information and resources, a payday loan can be a valuable financial tool for those who need it most.

F.A.Q.

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

Yes, there are protections for borrowers in Southington, 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 Southington, Ohio?

Before taking out a payday loan in Southington, 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.