Payday Loans in Waynesfield, Ohio

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

Company nameAddressZip codePhone number
Farmer's National Bank 4934 Kidron Rd, Apple Creek, OH 44606
CashMax Ohio 1633 W Laskey Rd, Toledo, OH 43612 +1 (419) 476 - 0833
PNC Bank 1025 S Main St, Willard, OH 44890 +1 (419) 935 - 6141
Lendmark Financial Services LLC 3153 Heritage Green Dr, Monroe, OH 45050 +1 (513) 438 - 0009
Advance America 840 N Clinton St, Defiance, OH 43512 +1 (419) 782 - 4424
Woodforest National Bank 85 River Trce, Chillicothe, OH 45601 +1 (740) 421 - 3358
Ross County Banking Center 206 Church St, Richmond Dale, OH 45637 +1 (740) 884 - 4445
Raymond James 1480 Hunting Hollow Dr, Hudson, OH 44236 +1 (330) 342 - 3800
Securities America Inc 3454 Oak Alley Ct 406, Toledo, OH 43606 +1 (419) 531 - 5600
Finova Financial 201 E 5th St, Cincinnati, OH 45202 +1 (888) 358 - 4452

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Waynesfield, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Middletown, OH, Payday Loans in Newark, OH, Payday Loans in North Olmsted, OH, Payday Loans in North Ridgeville, OH, Payday Loans in North Royalton, OH, Payday Loans in Reynoldsburg, OH, Emergency Loan in Springfield, OH and Payday Loans in Stow, 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 Waynesfield, OH.

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

45896

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

Waynesfield, OH payday loan calculator

Advise to read before applying

Payday Loans in Waynesfield, Ohio

If you find yourself in a tough financial spot and need a quick and easy solution, a payday loan may be the answer you’ve been searching for. Ohio is one of the states in the US where payday loans are legal, provided they come with low costs to the borrower. In this article, we’ll take a closer look at payday loans in Waynesfield, Ohio, and how they may be able to help you get out of a financial bind.

What Are Payday Loans?

A payday loan is a type of short-term loan that is typically due on your next payday. These loans are usually small-dollar amounts, usually ranging from $100 to $1,000, and are designed to help borrowers cover unexpected expenses or bills. Unlike traditional loans that may take weeks or months to process, payday loans are typically approved and funded within a day or two, making them an ideal solution for those in need of quick cash.

Is It Legal to Get a Payday Loan in Waynesfield, Ohio?

Yes, it is legal to get a payday loan in Waynesfield, Ohio. Payday loans are legal in Ohio and are governed by the Ohio Short-Term Loan Act (STLA). The STLA sets a maximum loan amount of $1,000 and a minimum repayment term of 31 days. Additionally, payday lenders in Ohio are required to obtain a license from the Ohio Department of Commerce and must follow strict guidelines to ensure that borrowers are not taken advantage of.

How Do Payday Loans Work?

The process of getting a payday loan in Waynesfield, Ohio is relatively simple. Here are the steps:

  • Find a lender: There are several payday lenders in Waynesfield, Ohio. You can search online, ask for referrals, or even visit a physical store to find a lender that works for you.
  • Fill out an application: The application process for a payday loan is straightforward and can usually be completed online or in-store. You will need to provide basic information, such as your name, address, and income.
  • Get approved: Once you have submitted your application, the lender will review it and determine whether or not to approve you. If you are approved, you will receive the funds within one or two business days.
  • Repay the loan: Your payday loan will typically be due on your next payday. The lender will automatically withdraw the funds from your bank account, or you can pay it back with cash or a check.

What Are the Benefits of Payday Loans?

Payday loans can offer several advantages over traditional loans, including:

  • Quick access to cash: Payday loans are typically approved and funded within a day or two, making them an ideal solution for those in need of quick cash.
  • No credit check: Payday lenders in Waynesfield, Ohio do not typically check your credit score, making it easier for those with poor or no credit to get approved.
  • Flexible repayment options: Most payday lenders offer flexible repayment options, allowing borrowers to repay the loan in installments or roll it over if necessary.

What Are the Risks of Payday Loans?

While payday loans can offer several benefits, they also come with risks, including:

  • High interest rates: Payday loans typically come with high-interest rates, making them an expensive borrowing solution.
  • Short repayment terms: Payday loans are typically due on your next payday, which may not give you enough time to repay the loan in full.
  • Debt cycle: Borrowers who are unable to repay their payday loan on time may be at risk of falling into a debt cycle, where they take out successive loans to cover the initial loan.

Interesting Facts and Statistics about Payday Loans in Waynesfield, Ohio

  • As of 2019, there were more than 650 payday lending storefronts in Ohio, with over 238 located in the Cleveland and Toledo areas.
  • The average payday loan in Ohio is for $348, with an average annual percentage rate (APR) of 591%.
  • According to a study by the Pew Charitable Trusts, Ohioans pay more than $500 million in fees for payday loans each year.

Apply Now

If you’re in need of a quick and easy loan in Waynesfield, Ohio, TheGuaranteedLoans can help. We’re a connector service that can match you with potential lenders who can provide the funds you need. To get started, simply fill out our online application, and we’ll connect you with lenders that match your needs and qualifications. Remember, TheGuaranteedLoans is not a direct lender, and we do not make credit decisions. Instead, we facilitate your connection with potential lenders who can provide the funds you need.

Don’t let unexpected expenses derail your finances. Apply for a payday loan through TheGuaranteedLoans and get the money you need, when you need it.

F.A.Q.

Can I get a payday loan in Waynesfield, Ohio if I have bad credit?

Yes, payday loans in Waynesfield, Ohio are typically available to borrowers with bad credit, as they do not require a credit check.

What fees are associated with a payday loan in Waynesfield, Ohio?

In addition to the interest, payday loans in Waynesfield, Ohio may also include fees for processing, origination, and late payments.

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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