Payday Loans in Woodstock, Ohio

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

Company nameAddressZip codePhone number
First Federal Bank 230 E 2nd St, Delphos, OH 45833 +1 (419) 695 - 1055
Cashland 4977 N Main St, Dayton, OH 45415 +1 (937) 278 - 0148
NCF Savings Bank 400 N Main St, New Carlisle, OH 45344 +1 (937) 845 - 3636
Parkmont Wealth Advisors 900 Croghan St, Fremont, OH 43420 +1 (419) 332 - 1111
Farm Credit Mid-America 1050 Dover Rd NE, Sugarcreek, OH 44681 +1 (330) 674 - 0700
Stephens Jack R CPA 3491 Elk St, Shadyside, OH 43947 +1 (740) 671 - 2670
Royal Auto Finance 5004 Lewis Ave 3213, Toledo, OH 43612 +1 (419) 269 - 6666
Fifth Third Bank & ATM 541 S Main St, Bellefontaine, OH 43311 +1 (937) 593 - 0333
Eagle Loan 1834 Maple Ave, Zanesville, OH 43701 +1 (740) 617 - 1541
KeyBank 100 Central Plaza N, Canton, OH 44702 +1 (330) 956 - 7270

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Woodstock, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Reynoldsburg, OH, Payday Loans in Springfield, OH, Payday Loans in Stow, OH, Payday Loans in Strongsville, OH, Guaranteed Loans in Toledo, OH, Payday Loan Companies in Warren, OH, Guaranteed Loans in West Chester, OH and Payday Loans in Westerville, 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 Woodstock, OH.

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

43084

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

Woodstock, OH payday loan calculator

Understanding Payday Loans in Woodstock, Ohio

When you find yourself in a financial bind, it can be tough to figure out how you’re going to get the money you need to handle your expenses. One option that many people turn to is payday loans. In Woodstock, Ohio, payday loans are legal and available to residents who need them.

What are payday loans?

Payday loans are small, short-term loans that are meant to help you bridge the gap between paychecks. They are usually for amounts of $500 or less and are typically due on your next payday. These loans have high interest rates and fees, so it’s important to only take out a payday loan if you know you can pay it back on time.

How do payday loans work in Ohio?

In Ohio, payday loans are legal, but they are subject to several restrictions to protect consumers. The Ohio Payday Loan Act limits the amount of the loan to $500, and the loan term cannot be shorter than 31 days. The interest rate on payday loans in Ohio is capped at 28% APR, and lenders are allowed to charge a maximum fee of $20 for every $100 borrowed.

What are the requirements to get a payday loan in Ohio?

To get a payday loan in Ohio, you must be at least 18 years old and have a steady source of income. You will need to provide proof of income and a valid government-issued ID. Most payday lenders in Ohio do not require a credit check, so bad credit is not necessarily a barrier to getting a payday loan. However, lenders may check your credit history for fraud prevention purposes.

What are the risks of payday loans?

While payday loans can be a quick way to get money when you need it, they also come with risks. The high interest rates and fees associated with payday loans can make it difficult to repay the loan on time, which can lead to additional fees and interest charges. This can create a cycle of debt that is difficult to break.

It’s important to only take out a payday loan if you know you can repay it on time. If you’re unable to repay the loan, contact the lender to see if they can work with you to come up with a repayment plan. If you don’t pay back the loan, it could go to a collection agency and negatively affect your credit score.

Facts and Statistics about Payday Loans in Woodstock, Ohio

  • According to the Ohio Department of Commerce, there were 1,257 payday lenders operating in Ohio in 2020.
  • The average payday loan in Ohio is for $300 and has an annual percentage rate (APR) of 591%.
  • In 2020, Ohio residents took out 853,000 payday loans, totaling $396 million in loans.
  • The average payday loan borrower in Ohio takes out 10 loans per year.

Apply Now

If you need a payday loan in Woodstock, Ohio, TheGuaranteedLoans can help connect you with potential lenders. It’s important to note that we are a connector service, not a direct lender. This means that we cannot guarantee that you will be approved for a loan.

To apply for a payday loan through TheGuaranteedLoans, simply fill out our online application form. We’ll then connect you with potential lenders who may be able to offer you a loan. Before accepting a loan, be sure to read the terms and conditions carefully and make sure you understand the repayment terms.

Remember, payday loans should only be used as a last resort when you need money quickly. If you’re struggling with debt or financial hardship, consider reaching out to a credit counselor or financial advisor for help.

F.A.Q.

What is a payday loan in Woodstock, Ohio?

A payday loan is a short-term loan that is typically used to cover unexpected expenses or financial emergencies. These loans are typically for small amounts of money, and are repaid on the borrower's next payday.

Are payday loans legal in Woodstock, Ohio?

Yes, payday loans are legal in Woodstock, Ohio. However, there are certain regulations that must be followed by lenders, including a maximum loan amount of $1,000 and a maximum loan term of 31 days.