Payday Loans in Zaleski, Ohio

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

Company nameAddressZip codePhone number
First National Bank 497 E Aurora Rd, Macedonia, OH 44056 +1 (330) 468 - 0055
Gallipolis Pawn Shop 324 2nd Ave, Gallipolis, OH 45631 +1 (740) 446 - 0840
Huntington Bank 230 E Cedar Ave, Ravenna, OH 44266 +1 (330) 296 - 2214
Farmers National Bank 4518 Fulton Dr NW 100, Canton, OH 44718 +1 (330) 494 - 5665
First Service Federal Credit Union 100 Main St, Groveport, OH 43125 +1 (614) 836 - 0100
First National Bank 6515 Tippecanoe Rd, Canfield, OH 44406 +1 (330) 286 - 1680
U.S. Bank Atm 197 E Emmitt Ave, Waverly, OH 45690 +1 (800) 872 - 2657
Medina County Federal Credit Union 1353 Reimer Rd, Wadsworth, OH 44281 +1 (330) 334 - 1023
Fifth Third Bank & ATM 1207 Oak Harbor Rd, Fremont, OH 43420 +1 (419) 334 - 8927
Mariner Finance 3934 Taryn Trace #6, Zanesville, OH 43701 +1 (740) 617 - 1025

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Zaleski, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Elyria, OH, Payday Loans in Euclid, OH, Payday Loan Without a Credit Check in Fairborn, OH, Emergency Loan in Fairfield, OH, Payday Loans in Findlay, OH, Bad Credit Loans in Grove City, OH, Payday Loan for Hamilton, OH and Short-term Loans in Hilliard, 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 Zaleski, OH.

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

45698

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

Zaleski, OH payday loan calculator

Advise to read before applying

Understanding Payday Loans in Zaleski, Ohio

When life happens, and unexpected expenses come up, payday loans may be a helpful tool to get you through. In Zaleski, Ohio, payday loans are legal and available to those who meet the requirements. It’s important to understand how these loans work, the potential risks and benefits, and how to find a reliable lender that can provide you with a short-term loan at a reasonable cost.

What are Payday Loans?

Payday loans, also known as cash advance loans, are short-term loans that typically range from $100 to $1,000. They are designed to help people cover unexpected expenses until their next paycheck comes in. These loans are usually repaid in full within two to four weeks, depending on the loan terms and the borrower’s pay schedule.

Payday loans are typically easy to apply for and do not require collateral, making them an attractive option for those in need of quick cash. However, they often come with high interest fees, making it important to carefully consider the amount borrowed and the repayment terms before agreeing to a loan. In Zaleski, Ohio, the interest rate on payday loans is capped at 28% APR.

The Pros and Cons of Payday Loans

Like any financial decision, there are potential risks and benefits to consider when taking out a payday loan.

Pros:

  • Quick and easy access to cash
  • No collateral required
  • Flexible loan terms
  • Can help prevent late fees, overdraft fees, and other financial penalties

Cons:

  • High interest rates and fees
  • Short-term repayment period
  • Can lead to a cycle of debt if not managed properly
  • May not be a long-term solution to financial problems

It’s important to carefully weigh these pros and cons before deciding to take out a payday loan in Zaleski, Ohio or anywhere else.

Finding a Reliable Payday Lender in Zaleski, Ohio

When searching for a payday lender, it’s important to do your research and find a reliable lender that offers reasonable loan terms and fees. Here are some tips to help you find a trustworthy payday lender in Zaleski, Ohio:

  • Check for state licensure to ensure the lender is authorized to operate in Ohio
  • Read reviews and check ratings from previous borrowers to gauge the lender’s reputation
  • Compare interest rates and fees among different lenders to find the most affordable and fair option

Using a connector service, such as TheGuaranteedLoans, can also be a helpful way to find a reliable payday lender in Zaleski, Ohio. These services connect borrowers with potential lenders that meet their specific needs and qualifications. Just remember that connector services are not direct lenders and don’t make any loan decisions. They simply facilitate the connection between borrowers and lenders.

Interesting Facts and Statistics About Payday Loans in Zaleski, Ohio

  • As of 2019, there were approximately 1,000 payday loan storefronts operating in Ohio (Source: Pew Charitable Trusts)
  • The average payday loan borrower in Ohio takes out 10 loans per year (Source: Center for Responsible Lending)
  • Ohio payday loan borrowers pay an average of 591% APR on their loans (Source: Center for Responsible Lending)

Apply Now

If you’re in need of a payday loan in Zaleski, Ohio, consider applying through TheGuaranteedLoans. Our connector service can help match you with a reliable lender that meets your needs and qualifications. To get started, simply fill out our online application and we’ll work to connect you with potential lenders that can provide you with a fair and affordable loan.

Remember to carefully review the loan terms and fees before agreeing to any loan, and only take out what you can reasonably afford to repay.

F.A.Q.

How do I repay a payday loan in Zaleski, Ohio?

You can repay a payday loan in Zaleski, Ohio by providing the lender with a post-dated check or authorizing them to withdraw the funds electronically from your bank account on the due date. You can also repay the loan in full or in part at any time before the due date without incurring any additional charges or fees.

What if I cannot repay a payday loan in Zaleski, Ohio on time?

If you cannot repay a payday loan in Zaleski, Ohio on time, you have the right to request an extended payment plan from the lender. Under this plan, the lender must allow you to make at least four payments over a 60-day period, with no additional fees or charges.

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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