Payday Loans in Sterling, Ohio

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

Company nameAddressZip codePhone number
General Electric Credit Union Eastgate 4450 Eastgate Blvd 255, Cincinnati, OH 45245 +1 (513) 243 - 4328
Port Conneaut Credit Union 1002 Broad St, Conneaut, OH 44030 +1 (440) 593 - 6218
Huntington Bank 39 Public Square, Medina, OH 44256 +1 (330) 721 - 5555
National Check Cashers 1512 Morse Rd, Westerville, OH 43081 +1 (614) 426 - 8452
Cashland 1105 Northview Dr, Hillsboro, OH 45133 +1 (937) 393 - 5555
Check 'n Go 1739 Wilson Ave, Youngstown, OH 44506 +1 (330) 744 - 3447
ATM M&t Bank 32390 Lorain Rd, North Ridgeville, OH 44039
Loanmax Title Loans 1840 Brice Rd, Reynoldsburg, OH 43068 +1 (614) 452 - 5891
Fifth Third Bank & ATM 2300 W Michigan St, Sidney, OH 45365 +1 (937) 498 - 2237
CashMax Ohio 4488 Youngstown Rd SE, Warren, OH 44484 +1 (330) 469 - 9621

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sterling, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cuyahoga Falls, OH, No Credit Check Loans in Dayton, OH, Bad Credit Loans in Delaware, OH, Payday Loan Without a Credit Check in Dublin, OH, Payday Loans in Elyria, OH, Payday Loans in Euclid, OH, Payday Loans in Fairborn, OH and Online Loans in Fairfield, 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 Sterling, OH.

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

44276

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

Sterling, OH payday loan calculator

Advise to read before applying

Payday Loans in Sterling, Ohio

Are you in need of fast cash in Sterling, Ohio? If so, you may be considering a payday loan. Payday loans are a type of short-term loan that can provide you with immediate access to the funds you need. Although payday loans have gained a reputation for being expensive and risky, they are legal and relatively affordable in Ohio. In this article, we will explore the ins and outs of payday loans in Sterling, Ohio, and help you make an informed decision about whether they are right for you.

How do Payday Loans Work?

Payday loans are designed to provide short-term financial assistance. A typical payday loan is a small-dollar loan- usually less than $500- that you borrow against your next paycheck. In Ohio, you can take out a payday loan for up to $1,000, with interest capped at 28%. The loan term is typically around two weeks, although it can vary by lender.

To get a payday loan in Sterling, Ohio, you will need to provide proof of income and identification. You will typically write a post-dated check or authorize an electronic debit for the full amount of the loan plus fees. The lender will then deposit the funds into your bank account. When the loan comes due, the lender will cash the check or withdraw the funds from your account.

The Pros and Cons of Payday Loans

Before taking out a payday loan, it’s essential to weigh the pros and cons. The main benefit of payday loans is that they are fast and easy to obtain. Unlike traditional loans, which can take days or even weeks to process, payday loans can be approved within minutes, and the funds can be deposited into your account the same day.

However, there are also some drawbacks to consider. Firstly, payday loans can be costly. In Ohio, the maximum interest rate for a payday loan is 28%, which may not sound like much, but it can add up quickly if you cannot repay the loan on time. Additionally, payday loans are designed to be short-term loans, and if you cannot repay the loan on time, you may be required to pay additional fees or interest and get caught in a cycle of debt.

Interesting Facts about Payday Loans in Sterling, Ohio

  • Ohio has some of the strongest payday loan regulations in the country, including a 28% cap on interest rates for payday loans.
  • The average payday loan borrower in Ohio takes out a loan for $350 and pays $459 in interest and fees.
  • In 2019, Ohio lawmakers passed a law that would allow payday lenders to offer loans up to $1,000, up from the previous limit of $500.

Apply Now

If you have decided that a payday loan is right for you, TheGuaranteedLoans can help. We are a connector service that works with a network of trusted lenders in Sterling, Ohio, and beyond. To apply for a payday loan through our service, simply fill out our online application form. We will then match you with potential lenders who may be able to meet your needs. Remember that we are not a direct lender, and our service is completely free to use. Let us help you get the cash you need today!

F.A.Q.

Can I rollover or renew a payday loan in Sterling, Ohio if I cannot repay it on time?

No, you cannot rollover or renew a payday loan in Sterling, Ohio if you cannot repay it on time. However, you can request an extended payment plan from the lender, as long as you have not already used this option in the past 60 days.

Are there any restrictions on where payday loans can be taken out in Sterling, Ohio?

Yes, there are restrictions on where payday loans can be taken out in Sterling, Ohio. Payday lenders must be licensed by the Ohio Department of Commerce, and they must follow all state and federal laws, including the Truth in Lending Act and the Military Lending Act. Payday loans are not allowed to be taken out on military bases or on any property owned by the federal government.

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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