Personal Loans in Lakeville, Ohio

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No personal loan companies in Lakeville, OH. Consider companies in other cities:

Company nameAddressZip codePhone number
LCNB National Bank 225 W Upper Lewisburg Salem Rd, Brookville, OH 45309 +1 (513) 932 - 1414
Kingston National Bank 301 N Court St, Circleville, OH 43113 +1 (740) 474 - 2222
Elastic 4030 Smith Rd, Cincinnati, OH 45209 +1 (888) 225 - 0080
Hometown Bank 4023 OH-43, Kent, OH 44240 +1 (330) 673 - 9556
Wright-Patt Credit Union 1868 US-36, Urbana, OH 43078 +1 (937) 912 - 7000
LCNB National Bank 9 N Main St, Waynesville, OH 45068 +1 (513) 932 - 1414
Huntington Mortgage Group 193 S Lincoln Ave, Salem, OH 44460
U.S. Bank Branch 935 W Main St, Tipp City, OH 45371 +1 (937) 667 - 2468
Woodforest National Bank 1804 N Clinton St, Defiance, OH 43512 +1 (419) 782 - 4130
First National Bank 125 Stanton Blvd, Steubenville, OH 43952 +1 (740) 264 - 8918

Personal Loan Companies in Nearby Cities

If there are no personal loan companies in Lakeville, OH, you can try to find different companies in big cities nearby. Check out the following pages here: Personal Loans in Hilliard, OH, Personal Loans in Lakewood, OH, Personal Loans in Lancaster, OH, Personal Loans in Lima, OH, Personal Loans in Lorain, OH, Personal Loans in Mansfield, OH, Personal Loans in Marion, OH and Personal Loans in Mason, 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 Lakeville, OH.

Personal Loans: A Comprehensive Guide for Lakeville, Ohio Residents

If you’re considering taking out a personal loan in Lakeville, Ohio, you’re not alone. Personal loans are a popular choice for many people who need extra cash for unexpected expenses or major purchases. In this comprehensive guide, we’ll walk you through everything you need to know about personal loans in Lakeville, Ohio, including the legal requirements, how to apply, and what to consider before taking out a loan.

What are Personal Loans?

A personal loan is an unsecured loan taken out for personal use. Unlike a mortgage or auto loan, which are secured loans that use the asset being financed as collateral, personal loans are not tied to any specific asset. This means that if you default on a personal loan, the lender cannot repossess any property.

Personal loans are popular because they can be used for a variety of purposes, from consolidating high-interest debt to paying for home improvements or medical bills. They may also have lower interest rates than credit cards, which makes them an attractive option for many borrowers.

Legal Requirements for Personal Loans in Ohio

In Ohio, personal loans are legal and regulated by the Ohio Division of Financial Institutions. All lenders must be licensed by the state, and there are specific laws in place to protect borrowers from predatory lending practices.

According to Ohio law, personal loans cannot have an interest rate exceeding 28% per annum. Lenders must also disclose all fees and charges associated with the loan, and borrowers have the right to cancel the loan within 72 hours without penalty.

How to Apply for a Personal Loan in Lakeville, Ohio

Applying for a personal loan in Lakeville, Ohio is relatively straightforward. Most lenders offer online applications, which can make the process faster and more convenient. Before applying, you’ll need to gather some basic information:

  • Your income and employment information
  • Your social security number
  • Your monthly expenses and debt obligations

Once you’ve gathered this information, you can begin shopping around for lenders. It’s important to compare rates and fees from multiple lenders to ensure you’re getting the best deal possible. You can use online loan comparison tools to help you with this process.

When you’ve found a lender you’re interested in, you’ll need to fill out an application and provide the required documentation. The lender will review your application and may ask for additional information or documentation before making a decision.

What to Consider Before Taking Out a Personal Loan

Before taking out a personal loan, there are a few things you should consider:

  • Interest rates and fees: Personal loans can have high interest rates and fees. Make sure you understand the total cost of the loan before accepting it.
  • Your credit score: Your credit score will impact the interest rate you’re offered. If you have a low credit score, you may not qualify for the best rates.
  • Your ability to repay: Make sure you can afford to repay the loan before taking it out. Defaulting on a loan can have serious consequences, including damage to your credit score and legal action from the lender.

Interesting Facts and Statistics About Personal Loans in Lakeville, Ohio

Did you know that over 40% of Americans have taken out a personal loan? In Lakeville, Ohio, personal loans are a popular choice for many residents who need extra cash for unexpected expenses or major purchases.

In 2019, Ohio residents borrowed over $1 billion in personal loans, with an average loan size of $11,500. This underscores the importance of understanding the terms of a personal loan before accepting it.

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Ready to take out a personal loan in Lakeville, Ohio? TheGuaranteedLoans can help. As a connector service, we match borrowers with potential lenders who can provide personal loans that meet their needs. Our application process is fast, easy, and secure, and we’re committed to helping you find the loan that’s right for you.

Click the link below to start your application today:

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Please note that TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions or lend money directly.

Useful Articles

Lakeville, OH personal loan calculator

Advise to read before applying

F.A.Q.

Can I get a personal loan with a cosigner who lives out of state in Lakeville, Ohio?

Yes, it is possible to get a personal loan with a cosigner who lives out of state in Lakeville, Ohio. Many lenders allow you to use a cosigner who lives in a different state, as long as they meet the lender's eligibility requirements.

What is the minimum credit score required for a personal loan in Lakeville, Ohio?

The minimum credit score required for a personal loan in Lakeville, Ohio will vary by lender. In general, you will need to have a good credit score, typically above 700, to qualify for a personal loan.

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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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