Payday Loans in Unionville, Ohio

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

Company nameAddressZip codePhone number
Fremont Federal Credit Union 801 W Main St, Woodville, OH 43469 +1 (419) 849 - 2570
Advance America 401 Cleveland St, Elyria, OH 44035 +1 (440) 366 - 0949
Advance Check Cashing 3700 Mahoning Ave C, Youngstown, OH 44515 +1 (330) 792 - 3773
First Financial Bank 166 S Main St, Rockford, OH 45882 +1 (419) 363 - 4000
Huntington Mortgage Group 484 Claridon Ave, Marion, OH 43302
Raymond James Financial Services 1902 Washington Blvd, Belpre, OH 45714 +1 (740) 401 - 2207
The Union Banking Company 105 E Center St, West Mansfield, OH 43358 +1 (937) 355 - 6511
Navy Federal Credit Union 1240 E 9th St Fl 26, Rm 2663, Cleveland, OH 44199 +1 (888) 842 - 6328
The First National Bank of Waverly 107 N Market St, Waverly, OH 45690 +1 (740) 947 - 2136
Stifel 121 N Market St Suite 500, Wooster, OH 44691 +1 (234) 249 - 1120

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Unionville, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bowling Green, OH, Payday Loan Without a Credit Check in Brunswick, OH, Payday Loans in Canton, OH, 24-Hour Loan in Cincinnati, OH, 24-Hour Loan in Cleveland, OH, Short-term Loans in Columbus, OH, Bad Credit Loans in Cuyahoga Falls, OH and Payday Loan Without a Credit Check in Dayton, 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 Unionville, OH.

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

44057

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

Unionville, OH payday loan calculator

Payday Loans in Unionville, Ohio

If you find yourself in a financial bind, a payday loan could be an option for you. Although it’s important to weigh the pros and cons before taking out any loan, payday loans can be a helpful resource when you need cash fast. In Ohio, payday loans are legal, with restrictions put in place to protect consumers from predatory lenders.

What is a Payday Loan?

A payday loan is a short-term loan that is typically repaid in full on your next payday. The loan amount is usually based on a percentage of your upcoming paycheck, rather than a fixed amount. When you take out a payday loan, you’ll be required to provide proof of income and a post-dated check for the loan amount plus fees.

Ohio’s Payday Loan Regulations

Ohio has strict regulations in place when it comes to payday loans. By law, lenders are limited to charging a maximum annual percentage rate (APR) of 28% on payday loans. Additionally, the loan amount cannot exceed $1,000 or 25% of the borrower’s gross monthly income, whichever is less. The loan term must also be at least 31 days, and lenders are not allowed to rollover loans or make more than four loans to the same borrower in a 12-month period.

How to Apply for a Payday Loan in Unionville

If you’re considering a payday loan in Unionville, Ohio, there are a few steps you’ll need to take. First, make sure you meet the eligibility requirements, which include having a steady income and being at least 18 years old. You’ll also need to bring proof of income, a government-issued ID, and a blank check if you’re applying in person.

Next, you’ll need to find a reputable payday lender in Unionville. Do your research and read reviews to ensure you’re working with an established and trustworthy lender. You can also apply for payday loans online, which can be a convenient option if you’re short on time.

The Benefits of Payday Loans

  • Quick access to cash when you need it most
  • No credit check required
  • Lower interest rates compared to other short-term loans
  • Flexible repayment options

The Risks of Payday Loans

  • High fees and interest rates
  • Short repayment terms can lead to a cycle of debt
  • Some lenders may engage in predatory practices
  • Your credit score could be affected if you default on the loan

Interesting Facts and Statistics about Payday Loans in Unionville, Ohio

  • In Ohio, the average payday loan amount is $318, and the average APR is 528%.
  • One in four Ohio residents takes out a payday loan each year.
  • Although Ohio has regulations in place to protect consumers, many borrowers still struggle to repay their loans on time. According to a study by the Pew Charitable Trusts, 66% of Ohio borrowers took out a loan with interest rates over 391% and were unable to pay it off in two weeks, leading to a cycle of debt.

Apply Now

If you need a payday loan in Unionville, Ohio, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we are not a direct lender, but we can facilitate the loan process for you. Fill out our online application to get started today.

Remember to read the loan terms and conditions carefully so that you fully understand the fees and repayment schedule. And always borrow responsibly, taking into account your ability to repay the loan on time and in full.

F.A.Q.

Are payday loans in Unionville, Ohio regulated by the state?

Yes, payday loans in Unionville, Ohio are regulated by the Ohio Department of Commerce, which sets the maximum interest rate and fees and ensures that lenders comply with state laws.

Can I get a payday loan in Unionville, Ohio if I am a military service member?

Yes, military service members are eligible for payday loans in Unionville, Ohio, but they are protected by the Military Lending Act, which limits the interest rate to 36% APR.