Payday Loans in Vickery, Ohio

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

Company nameAddressZip codePhone number
First Choice Financial 1098 N High St, Hillsboro, OH 45133 +1 (937) 393 - 5000
Superior Credit Union 1650 N County Line St, Fostoria, OH 44830 +1 (419) 435 - 8513
Ohio Valley Cash Loans, Inc. 406 Washington Blvd, Belpre, OH 45714 +1 (740) 423 - 8007
Capital Finance Firelands 1158 Country Club Ln, Ashland, OH 44805 +1 (419) 368 - 4127
Peoples Federal Savings & Loan 403 S Pike St, Anna, OH 45302 +1 (937) 394 - 2265
Chase Bank 8 S High St, Canal Winchester, OH 43110 +1 (614) 837 - 6000
Huntington Mortgage Group 501 W 3rd St, Defiance, OH 43512
Same Day Payday Loans 5977 Endicott Rd, Columbus, OH 43229 +1 (614) 858 - 8949
First American Loans 614 Washington Blvd, Belpre, OH 45714 +1 (740) 423 - 7611
Port Conneaut Federal Credit Union 4220 Main Ave, Ashtabula, OH 44004 +1 (440) 992 - 7181

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Vickery, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Akron, OH, Payday Loans in Bowling Green, OH, Payday Loans in Brunswick, OH, Payday Loan for Canton, OH, Payday Loans in Cincinnati, OH, 24-Hour Loan in Cleveland, OH, Same Day Loans in Columbus, OH and Quick Loan in Cuyahoga Falls, 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 Vickery, OH.

Beautiful sights of Vickery, OH

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

43464

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

Vickery, OH payday loan calculator

What You Need to Know About Payday Loans in Vickery, Ohio

Payday loans are a popular option for many people who find themselves in need of fast cash. If you live in Vickery, Ohio, and are considering a payday loan, it’s important to understand the rules and regulations of these types of loans in your state before you apply.

Are Payday Loans Legal in Ohio?

Yes, payday loans are legal in Ohio, but the state has some of the most strict regulations in the country on these types of loans. According to Ohio law, lenders can charge a maximum annual percentage rate (APR) of 28%, and borrowers can only take out loans of up to $1,000 or 25% of their gross monthly income, whichever is less. In addition, payday loan terms cannot exceed 6 months and borrowers can only take out one loan at a time.

How Much Will a Payday Loan Cost in Vickery, Ohio?

Payday loan fees and interest rates can vary depending on the state you live in. In Ohio, lenders can charge up to 28% APR, which means that if you take out a loan of $500 for 14 days, you will be charged a maximum of $14.20 in interest.

It’s important to note that payday loans can be expensive, and if you are unable to repay your loan on time, you could find yourself in a cycle of high-interest debt. For this reason, it’s essential to consider all your options before taking out a payday loan.

What Are the Requirements for a Payday Loan in Vickery, Ohio?

To be eligible for a payday loan in Ohio, you must be a U.S. citizen or permanent resident who is at least 18 years of age. You will also need to provide proof of income, such as a recent pay stub, and show that you have a checking account in good standing. Some lenders may also require a valid government-issued ID and proof of residency.

What Are the Benefits of Payday Loans?

Payday loans can be beneficial for individuals who need cash quickly to cover unexpected expenses. These loans are typically approved within minutes and can be disbursed the same day, which can help you avoid costly late fees or other penalties.

Additionally, payday loans do not require a lot of paperwork or documentation, and they can be useful for individuals with poor credit who cannot qualify for traditional loans.

What Are the Risks of Payday Loans?

There are several risks associated with payday loans that borrowers need to be aware of before they apply. First, payday loans can be expensive, with high-interest rates and fees that can quickly add up if you are unable to repay your loan on time.

Second, payday loans can trap borrowers in a cycle of debt, where they have to take out new loans to pay off their existing debt. This can lead to a dangerous debt spiral and serious financial hardship.

What Are Some Alternatives to Payday Loans in Vickery, Ohio?

If you are in need of fast cash but are concerned about the high cost of payday loans, there are several alternatives to consider. Some options to explore include:

  • Personal loans
  • Credit card cash advances
  • Borrowing from family or friends
  • Selling unwanted items

Each of these options has its own set of pros and cons, so it’s important to do your research and determine which one is best for your unique financial situation.

Interesting Facts and Statistics About Payday Loans in Vickery, Ohio

  • Between 2012 and 2019, the number of payday loan stores in Ohio dropped from over 1,500 to fewer than 600 due to increased regulation and competition from online lenders.
  • The average payday loan borrower in Ohio takes out 10 loans per year, paying an average of $68 in interest and fees for each loan.
  • According to a 2019 report from the Ohio Department of Commerce, 54% of borrowers are female, and the average borrower is 37 years old with an annual income of $30,000.

Apply Now for a Payday Loan in Vickery, Ohio

If you have weighed your options and have decided that a payday loan is the best choice for your financial needs, TheGuaranteedLoans can help connect you with potential lenders who can provide the cash you need quickly and easily.

Simply fill out the online application on our website, and we will match you with lenders who meet your specific needs and requirements. Remember, TheGuaranteedLoans is a lending connector service, not a direct lender, so you can rest assured that we will work hard to find you the most competitive rates and terms available.

Apply today and get the cash you need to cover unexpected expenses or bridge the gap until your next payday.

F.A.Q.

Can a payday lender garnish my wages if I default on a payday loan in Vickery, Ohio?

Yes, a payday lender can garnish your wages if you default on a payday loan in Vickery, Ohio. However, the lender must first obtain a court order, and they can only garnish up to 25% of your disposable earnings per week. You have the right to request a hearing to challenge the garnishment, and you cannot be fired from your job for having your wages garnished.

What is a payday loan in Vickery, Ohio?

A payday loan is a short-term, high-interest loan that is typically used to cover unexpected expenses or to bridge a financial gap until the borrower's next payday.