Payday Loans in Valley City, Ohio

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

Company nameAddressZip codePhone number
PNC Bank 2221 W Michigan St, Sidney, OH 45365 +1 (937) 498 - 4761
Nations Lending 30700 Center Ridge Rd 3, Westlake, OH 44145 +1 (866) 759 - 0059
Homan Brandon Wealth Management 1300 E State St, Fremont, OH 43420 +1 (419) 334 - 3830
Directions Credit Union 1306 Cleveland Ave, Ashland, OH 44805 +1 (888) 508 - 2228
Richwood Bank 26 S High St, La Rue, OH 43332 +1 (740) 943 - 2317
First American Loans 1698 S Raccoon Rd #7, Youngstown, OH 44515 +1 (330) 270 - 3583
Check Into Cash 3362 Glendale Ave, Toledo, OH 43614 +1 (419) 382 - 9194
National Check Cashers 1512 Morse Rd, Westerville, OH 43081 +1 (614) 426 - 8452
Huntington Mortgage Group 8 E Main St, Seville, OH 44273
Huntington Mortgage Group 114 Chesnut Ln, Cadiz, OH 43907

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Valley City, OH, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Columbus, OH, Payday Loans in Cuyahoga Falls, OH, Emergency Loan in Dayton, OH, Payday Loans in Delaware, OH, Short-term Loans in Dublin, OH, 24-Hour Loan in Elyria, OH, Payday Loan Without a Credit Check in Euclid, OH and Payday Loan Companies in Fairborn, 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 Valley City, OH.

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

44280

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

Valley City, OH payday loan calculator

Advise to read before applying

In Valley City, Ohio, payday loans are legal and available to those in need of financial assistance. These loans can be a valuable resource for individuals facing unexpected expenses or financial difficulties.

How do Payday Loans Work in Valley City, Ohio?

Payday loans are designed to be short-term loans that are repaid on the borrower’s next payday. In Ohio, payday loans are regulated by the Ohio Department of Commerce Division of Financial Institutions. The maximum amount that can be borrowed is $1,000, and borrowers have up to 6 months to repay the loan.

The fees and interest rates associated with payday loans in Valley City, Ohio are regulated to ensure that borrowers are not charged exorbitant amounts. The interest rate is capped at 28%, and lenders are only allowed to charge a maximum of $20 for every $100 borrowed.

Who is Eligible for a Payday Loan in Valley City, Ohio?

To be eligible for a payday loan in Valley City, Ohio, borrowers must meet certain requirements. They must have a valid identification card, a verifiable source of income, an active checking account, and they must be at least 18 years of age.

Borrowers are not required to have good credit to be approved for a payday loan in Valley City, Ohio. In fact, payday lenders typically do not perform credit checks, making these loans accessible to individuals with poor credit histories.

Benefits of Payday Loans in Valley City, Ohio

Payday loans in Valley City, Ohio offer several benefits to borrowers in need of quick cash. These loans are typically approved quickly, with funds being deposited directly into the borrower’s checking account within 24 hours. They are also easy to obtain, with minimal requirements for eligibility.

Another benefit of payday loans in Valley City, Ohio is that they can help borrowers avoid late fees and other penalties associated with missed payments. If a borrower is unable to make a payment on time, they can apply for a loan to cover the balance and avoid additional charges.

Pitfalls of Payday Loans in Valley City, Ohio

While payday loans can be a helpful resource for those in need, they can also lead to a cycle of debt if not used responsibly. The high interest rates and fees associated with these loans can make it difficult for borrowers to repay the loan and can lead to a cycle of borrowing and debt.

Borrowers should also be aware that if they are unable to repay the loan on time, they may be charged additional fees and penalties. This can make it even more difficult to repay the loan in full and can lead to even more financial difficulties.

Interesting Facts and Statistics about Payday Loans in Valley City, Ohio

  • In 2019, the average payday loan in Ohio was $343 with an average interest rate of 591%.
  • Ohio has some of the highest payday loan interest rates in the country, with an average rate of 28%.
  • Between 2010 and 2019, Ohio payday lenders took in $502 million in fees.

Apply Now for a Payday Loan in Valley City, Ohio

If you are in need of financial assistance, TheGuaranteedLoans can help connect you with potential lenders in Valley City, Ohio. We are a connector service, not a direct lender, and we work with a network of reliable lenders who offer payday loans for those in need.

To apply for a payday loan, simply fill out our online application. We will review your information and connect you with potential lenders who can provide you with the funds you need to cover your expenses.

Remember to only apply for a payday loan if you are confident that you can repay the loan on time. A payday loan can be a valuable resource, but it can also lead to financial difficulties if not used responsibly.

F.A.Q.

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

Yes, there are protections for borrowers in Valley City, 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 Valley City, Ohio?

Before taking out a payday loan in Valley City, 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.

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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