Payday Loans in Van Buren, Ohio

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

Company nameAddressZip codePhone number
Eagle Loan Company of Ohio 5413 Dixie Hwy, Fairfield, OH 45014 +1 (513) 874 - 5008
Jackson Hewitt Tax Service 301 Towne Center Blvd, Van Wert, OH 45891 +1 (419) 605 - 0059
First American Loans 2515 South Smithville Road, Dayton, OH 45420 +1 (937) 258 - 2899
Citizens Federal Savings-Loan 110 N Main St, Bellefontaine, OH 43311 +1 (937) 593 - 0015
Farm Credit Mid-America 1640 N Main St, Bellefontaine, OH 43311 +1 (937) 599 - 6118
Cashland 845 N Memorial Dr, Lancaster, OH 43130 +1 (740) 689 - 0808
MARS Financial Services 14969 Cowley Rd, Columbia Station, OH 44028 +1 (440) 926 - 1486
Huntington Bank 325 Main St, Bridgeport, OH 43912 +1 (740) 635 - 1142
Advance America 76 Washington Square, Washington Court House, OH 43160 +1 (740) 636 - 1988
WesBanco Bank 50 Kahoe Ln, Yellow Springs, OH 45387 +1 (937) 767 - 2060

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Van Buren, OH, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Fairfield, OH, Payday Loans in Findlay, OH, Payday Loans in Grove City, OH, Short-term Loans in Hamilton, OH, Payday Loan Companies in Hilliard, OH, Payday Loan Companies in Lakewood, OH, Payday Loans in Lancaster, OH and Payday Loan Companies in Lima, 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 Van Buren, OH.

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

Van Buren, OH payday loan calculator

Advise to read before applying

Are you in a financial bind and searching for a quick solution to pay your bills? If you live in Van Buren, Ohio, you have a legal avenue to do so – payday loans.

What are payday loans?

Payday loans are short-term loans offered by payday lenders, which are typically due on the borrower’s next payday. These loans are accessible to those with a steady source of income, even those with bad credit. Since payday loans are unsecured loans, lenders often charge high interest rates and fees to offset the risk.

Ohio payday loan laws

In Ohio, payday loans are legal, but the state has enacted laws to protect borrowers from predatory lending. For instance, payday loans cannot exceed $1,000 or 25% of the borrower’s gross monthly income, and interest rates cannot exceed 28% annually. The loan term must be at least 91 days but no longer than 1 year. Additionally, Ohio requires payday lenders to be licensed and adhere to various consumer protection laws.

How to apply for payday loans in Van Buren, Ohio

Applying for a payday loan in Van Buren, Ohio, is easy and straightforward. You can either visit a local lender or use an online payday lending service. Many payday lenders have online platforms that allow you to complete the entire loan process online.

Steps to apply

  1. Visit TheGuaranteedLoans website and select “payday loans” from the list of loan types available.
  2. Enter the required details on the website’s application form, including your name, address, income, and bank account information.
  3. Read and accept the terms and conditions of the loan.
  4. Submit your application.
  5. Wait for a potential lender to contact you with a loan offer.
  6. If you accept the loan offer, the funds will be deposited into your bank account within one business day.

Benefits of payday loans in Van Buren, Ohio

Payday loans can provide several benefits for Van Buren, Ohio, consumers who are in need of quick cash:

  • Fast application process
  • No credit check required
  • Easy to qualify
  • Funds can be used for any purpose
  • May be less expensive than fees related to overdrafts and late payments

Risks of payday loans in Van Buren, Ohio

While payday loans can be beneficial, they also come with risks to the borrower, including:

  • High interest rates and fees: The high cost of payday loans can trap borrowers in a cycle of debt.
  • Short repayment terms: The short repayment term of payday loans can make it difficult for borrowers to pay them back on time.
  • Impact on credit: Defaulting on a payday loan can negatively affect your credit score and make it harder to qualify for loans in the future.

Interesting facts about payday loans in Van Buren, Ohio

  • Ohio has some of the strictest payday lending laws in the US to protect borrowers.
  • The average payday loan in Ohio is $340, with an average APR of 590%.
  • 95% of payday borrowers in Ohio take out multiple loans, according to Pew Charitable Trusts.

Apply now

TheGuaranteedLoans is a connector service that can help match you with potential lenders. Fill out the online application form on our website to get started today.

Note that TheGuaranteedLoans is not a direct lender and does not make loan decisions. We solely facilitate your connection with potential lenders who can provide you with the cash you need.

Conclusion

Payday loans can provide a quick solution to short-term financial needs for residents of Van Buren, Ohio. However, borrowers must be aware of the high cost of these loans and the risks involved. Before taking out a payday loan, ensure that you can afford to pay it back on time and explore alternative loan options, such as personal loans or credit cards.

F.A.Q.

What can I do if a payday lender is harassing me in Van Buren, Ohio?

If a payday lender is harassing you in Van Buren, Ohio, you can contact the Ohio Attorney General's Consumer Protection Section to report the harassment and request assistance. The Attorney General's office will investigate your complaint and, if necessary, take action to stop the harassment and protect your rights as a consumer.

Can a payday lender charge me a higher interest rate or fees than the legal limits in Van Buren, Ohio?

No, a payday lender cannot charge you a higher interest rate or fees than the legal limits in Van Buren, Ohio. If a lender is charging you more than the maximum allowed by law, you can contact the Ohio Attorney General's Consumer Protection Section to report the violation and request assistance.

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.

Accessibility: This platform's services may not be available to residents of certain states due to local regulations. To determine whether you can access this service, please review your area's legal guidelines. Additionally, be advised that the terms and conditions of this website can be altered at any time without prior notice.

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