Payday Loans in Wilberforce, Ohio

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

Company nameAddressZip codePhone number
CheckSmart 140 S Sandusky St, Delaware, OH 43015 +1 (740) 362 - 4081
KeyBank 58 S Maple St, Orwell, OH 44076 +1 (440) 624 - 3001
Ohio Title Loans 157 S State St, Marion, OH 43302 +1 (740) 379 - 3774
Pickaway Progress Partnership 1360 Lancaster Pike 111, Circleville, OH 43113 +1 (740) 420 - 6498
KeyBank 120 N Detroit St, Xenia, OH 45385 +1 (937) 372 - 8035
Woodforest National Bank 3883 Burbank Rd, Wooster, OH 44691 +1 (330) 345 - 2488
LibertyX Bitcoin ATM 1014 W Main St, Springfield, OH 45504 +1 (800) 511 - 8940
Walmart Money Center 1501 Wagner Ave, Greenville, OH 45331
United Federal Credit Union - Marion East 116 Eastlawn Dr, Marion, OH 43302 +1 (888) 982 - 1400
Minster Bank - New Bremen Office 443 S Washington St, New Bremen, OH 45869 +1 (419) 629 - 2611

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wilberforce, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Dublin, OH, Emergency Loan in Elyria, OH, Payday Loans in Euclid, OH, Online Loans in Fairborn, OH, Payday Loans in Fairfield, OH, Payday Loans in Findlay, OH, Bad Credit Loans in Grove City, OH and Payday Loans in Hamilton, 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 Wilberforce, OH.

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

45384

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

Wilberforce, OH payday loan calculator

Advise to read before applying

What Are Payday Loans?

Payday loans are short-term loans that borrowers can use to cover unexpected expenses. These loans typically have to be paid back in full within a few weeks of receiving funds. Payday loans are often used by those who need quick cash and may not have the best credit score. As long as a borrower has a job and a bank account, they may be eligible to apply for a payday loan.

Payday Loans in Wilberforce, Ohio

In the state of Ohio, payday loans are legal and regulated by the Ohio General Assembly. Wilberforce, a small town in Greene County, Ohio, has several payday loan lenders available to its residents.

Regulations on Payday Loans in Ohio

The Ohio Short-Term Loan Act of 2008 regulates the payday loan industry in Ohio. This law caps loan amounts at $1,000 and limits the loan term to 31 days. The annual interest rate on payday loans in Ohio cannot exceed 28%, and lenders are also required to be licensed and regulated by the state.

Pros and Cons of Payday Loans

  • Pros: Quick access to cash, easy application process, can help cover unexpected expenses.
  • Cons: High interest rates, short repayment terms, can lead to a cycle of debt.

It is important to carefully consider both the pros and cons of payday loans before deciding whether to take one out. Borrowers should also ensure that they can afford to repay the loan within the given time frame.

Interesting Facts about Payday Loans in Wilberforce, Ohio

  • According to a 2019 report from the Ohio Department of Commerce, there were 1,617 licensed lenders in Ohio.
  • Ohio payday loan borrowers typically take out an average of 10 loans per year.

Apply Now

If you are a resident of Wilberforce, Ohio, and are in need of a payday loan, TheGuaranteedLoans can help. We are a connector service that can connect you with potential lenders who may be able to provide you with the funds you need. Please note that we are not a direct lender, and we do not make credit decisions. To get started, simply fill out our online application, which only takes a few minutes. If you are matched with a lender, you will be directed to their website to complete your application.

Remember, payday loans are a short-term solution for unexpected expenses. They should not be used as a long-term financial solution, and borrowers should be aware of the potential risks involved.

F.A.Q.

What should I do if I cannot repay my payday loan in Wilberforce, Ohio?

If you are unable to repay your payday loan in Wilberforce, Ohio, it is important to contact the lender immediately. They may be able to offer assistance with a repayment plan or refer you to an organization that can help. It is important to avoid defaulting on the loan, as this can result in additional fees and damage to your credit score.

What are the consequences of defaulting on a payday loan in Wilberforce, Ohio?

If you default on a payday loan in Wilberforce, Ohio, the lender may pursue legal action to recover the outstanding balance. This can result in additional fees, damage to your credit score, and potentially even wage garnishment. It is important to make every effort to repay the loan in a timely manner to avoid these 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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