Payday Loans in Wharton, Ohio

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

Company nameAddressZip codePhone number
ATM Atomic Credit Union 223 Columbus Rd, Athens, OH 45701 +1 (740) 594 - 8185
Huntington Bank 325 Main St, Bridgeport, OH 43912 +1 (740) 635 - 1142
First American Loans 61600 Southgate Road, Suite 106-F, Cambridge, OH 43725 +1 (740) 435 - 3445
Andover Bank 150 N Chestnut St, Jefferson, OH 44047 +1 (440) 576 - 2265
Erica Howard, 701999, PrimeLending 200 Eaton Lewisburg Rd Ste 105, Eaton, OH 45320 +1 (513) 594 - 4101
Mariner Finance 25 Ghent Rd, Fairlawn, OH 44333 +1 (330) 754 - 1234
Home Savings Bank 1 S Blackhoof St, Wapakoneta, OH 45895 +1 (419) 738 - 9258
Advance America 529 Dorr St, Toledo, OH 43604 +1 (419) 255 - 4076
Bank of America with Drive-thru ATM 4040 W State Route 22 3, Loveland, OH 45140 +1 (513) 239 - 1038
Huntington Mortgage Group 2910 Shirley St, Ashtabula, OH 44004

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wharton, OH, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Cleveland, OH, No Credit Check Loans in Columbus, OH, Online Loans in Cuyahoga Falls, OH, 24-Hour Loan in Dayton, OH, 24-Hour Loan in Delaware, OH, Payday Loans in Dublin, OH, No Credit Check Loans in Elyria, OH and Payday Loans in Euclid, 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 Wharton, OH.

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

43359

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

Wharton, OH payday loan calculator

An Overview of Payday Loans in Wharton, Ohio

When facing a financial emergency, a payday loan can be a helpful solution. These short-term loans are designed to help you cover immediate expenses when you’re short on cash. If you’re in Wharton, Ohio, you may be wondering what your options are for payday loans. Fortunately, payday loans are legal in Ohio, and you have several options available to you.

How Payday Loans Work

Payday loans are typically small loans that are paid back within a few weeks. To get a payday loan, you’ll need to provide proof that you have a regular income, such as a paycheck or government benefits. You’ll also need a checking account in good standing and a valid ID.

When you apply for a payday loan, your lender will review your application and determine how much you can borrow. You’ll usually receive the funds within a day or two of being approved. When it’s time to pay back the loan, the lender will deduct the loan amount and any fees from your checking account.

The Process of Getting a Payday Loan in Wharton, Ohio

To get a payday loan in Wharton, Ohio, you’ll need to find a lender that meets the state’s requirements. The lender will need to be licensed in Ohio and follow the state’s rules and regulations regarding payday loans.

When you apply for a payday loan, you’ll need to provide some basic information about yourself, your income, and your banking information. The lender will use this information to determine how much you can borrow and what fees will be associated with the loan.

If you’re approved for a payday loan, the lender will provide you with the loan amount and any fees. You’ll need to sign a loan agreement that outlines the terms of the loan, including the repayment date and the fees you’ll be charged.

The Cost of Payday Loans in Wharton, Ohio

Payday loans in Ohio are subject to regulations that limit the amount of money you can borrow and the length of time you have to repay the loan. The maximum loan amount is $1,000, and the maximum loan term is 31 days.

Ohio lenders are allowed to charge a maximum annual percentage rate (APR) of 28% on payday loans. This means that if you borrow $100 for 14 days, you’ll pay a maximum of $1.08 in fees.

It’s important to note that these rates are lower than what you might find in other states. For example, in some states, payday loan APRs can be as high as 600% or more.

The Benefits of Payday Loans

  • Access to quick cash: Payday loans are designed to help you cover unexpected expenses when you’re short on cash. They can give you access to the funds you need within a few hours or days of applying.
  • No credit check required: Payday lenders typically don’t check your credit history, which means you may be able to get a loan even if you have bad credit.
  • Flexible repayment options: Payday loans are designed to be repaid within a few weeks, but most lenders offer some flexibility in repayment. You may be able to extend the repayment period or make partial payments.

Interesting Facts and Statistics about Payday Loans in Wharton, Ohio

  • According to a report by the Center for Responsible Lending, Ohioans pay almost $500 million in payday lending fees annually.
  • The average APR for a payday loan in Ohio is 591%, which is one of the highest rates in the country.
  • Ohio has more payday lending locations than McDonald’s restaurants.
  • 66% of payday loan borrowers in Ohio take out multiple loans each year.

Apply Now

If you’re facing a financial emergency in Wharton, Ohio, a payday loan may be a good solution. TheGuaranteedLoans can help you find a lender that meets your needs. We’re a connector service, not a direct lender, which means we work with a network of lenders to help you find the best loan for your situation.

To get started, fill out our online application. We’ll ask you for some basic information about yourself, your income, and your banking information. Once we receive your application, we’ll connect you with a lender who can help you get the funds you need.

Remember, payday loans can be helpful in a pinch, but they can also be expensive. Be sure to read the loan agreement carefully and make sure you understand the repayment terms. If you have any questions, don’t hesitate to ask your lender.

Apply now to get the cash you need today!

F.A.Q.

What happens if I cannot repay my payday loan in Wharton, Ohio?

If you cannot repay your payday loan in Wharton, Ohio, you may be subject to late fees, collection efforts, and legal action. It is important to contact your lender as soon as possible to discuss your options and avoid defaulting on your loan.

Can I get a payday loan in Wharton, Ohio if I have filed for bankruptcy?

Yes, you can still get a payday loan in Wharton, Ohio if you have filed for bankruptcy, as long as you can provide proof of income and meet the lender's other requirements.