Payday Loans in Stony Ridge, Ohio

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

Company nameAddressZip codePhone number
Chase Mortgage 335 N Sandusky Ave, Upper Sandusky, OH 43351 +1 (419) 294 - 4944
Lendmark Financial Services LLC 2902 N Ridge Rd E, Ashtabula, OH 44004 +1 (440) 993 - 0030
First American Loans 529 W High Ave, New Philadelphia, OH 44663 +1 (330) 339 - 0902
First American Loans 1080 N Bridge St #10, Chillicothe, OH 45601 +1 (740) 779 - 3227
DoverPhila Federal Credit Union 617 W High Ave, New Philadelphia, OH 44663 +1 (330) 364 - 8874
Susan Bennett - Thrivent 4055 Executive Park Dr Suite 400, Cincinnati, OH 45241 +1 (513) 370 - 2273
First Financial Bank 330 W National Rd, Englewood, OH 45322 +1 (937) 540 - 1250
ACE Cash Express 10589 St Clair Ave, Cleveland, OH 44108 +1 (216) 851 - 8077
Huntington Bank 332 E Main St, Ottawa, OH 45875 +1 (419) 523 - 6880
Walmart Money Center 100 Mall Dr, Steubenville, OH 43952

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Stony Ridge, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lancaster, OH, Payday Loans in Lima, OH, Payday Loans in Lorain, OH, Payday Loans in Mansfield, OH, Emergency Loan in Marion, OH, Payday Loan for Mason, OH, Payday Loan Companies in Massillon, OH and 24-Hour Loan in Mentor, 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 Stony Ridge, OH.

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

43463

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

Stony Ridge, OH payday loan calculator

Advise to read before applying

Payday Loans in Stony Ridge, Ohio

Payday loans are short-term loans designed to help people in financial emergencies. When unexpected expenses arise, such as medical bills or car repairs, people often turn to payday loans as a way to bridge the gap until their next paycheck. While the interest rates on these loans may seem high compared to traditional loans, they can be a lifesaver for those who need cash quickly.

The Legality of Payday Loans in Ohio

Despite the controversy surrounding payday loans, they are legal in Ohio. However, there are restrictions in place to protect borrowers from predatory lending practices. The Ohio Short-Term Loan Act, passed in 2008, limits the interest rates and fees that lenders can charge. It also requires lenders to provide certain disclosures to borrowers, including the total cost of the loan and the annual percentage rate (APR).

Under Ohio law, payday loans cannot exceed $1,000, and the repayment period cannot be longer than 31 days. Lenders are also prohibited from rolling over loans or offering additional loan products to borrowers who have already taken out a payday loan.

How to Get a Payday Loan in Stony Ridge, Ohio

If you’re in need of a payday loan in Stony Ridge, Ohio, there are several lenders to choose from. You can start by doing a quick online search for payday loan lenders in your area. However, it’s important to do your research and compare lenders before making a decision.

  • Look for lenders that are licensed and regulated by the state of Ohio.
  • Check online reviews and ratings to see what other borrowers have to say about the lender.
  • Compare interest rates and fees to make sure you’re getting the best deal.
  • Read the terms and conditions of the loan carefully before signing any paperwork.

Interest Rates and Fees

The interest rates and fees charged by payday loan lenders in Ohio are regulated by the state, but they can still be relatively high. Lenders can charge up to 28% APR on payday loans, which may seem high compared to traditional loans, but it’s important to remember that these loans are designed to be short-term solutions. In addition, lenders are allowed to charge an origination fee of up to 2% of the loan amount, as well as a monthly maintenance fee of up to $20.

It’s important to understand the total cost of the loan before accepting any terms. Be sure to ask the lender for a full breakdown of the costs, including interest, fees, and any other associated charges.

Interesting Facts and Statistics About Payday Loans in Stony Ridge, Ohio

  • The average payday loan in Ohio is $318, and the average APR is 677%.
  • Ohio has more payday loan storefronts than McDonald’s restaurants, with over 650 locations throughout the state.
  • In 2019, Ohioans paid over $185 million in fees and interest on payday loans.

Apply Now

If you’re in need of a payday loan in Stony Ridge, Ohio, TheGuaranteedLoans can help. We are a lender connection service that works with a network of trusted lenders to help find you the best loan for your situation. Our online application process is quick and easy, and we can match you with a lender in just minutes. Remember, we are not a direct lender, but we will facilitate your connection with potential lenders.

We understand that financial emergencies can happen to anyone, and we’re here to help. Visit our website to fill out an online application today.

F.A.Q.

Can I get a payday loan in Stony Ridge, Ohio if I am self-employed or receive disability benefits?

Yes, you can still get a payday loan in Stony Ridge, Ohio if you are self-employed or receive disability benefits, as long as you can provide proof of income.

What are the repayment terms for a payday loan in Stony Ridge, Ohio?

The repayment terms for a payday loan in Stony Ridge, Ohio will vary depending on the lender and the loan amount. However, most payday loans in Stony Ridge, Ohio are due on the borrower's next payday.

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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