Title Loans in Kirby, Ohio

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No title loan companies in Kirby, OH. Consider companies in other cities:

Company nameAddressZip codePhone number
Eagle Loan 331 N Lexington-Springmill Rd 135, Ontario, OH 44906 +1 (419) 528 - 5444
First State Bank 409 W Main St, West Union, OH 45693 +1 (937) 544 - 5252
Advance America 3105 Belmont Ave, Youngstown, OH 44505 +1 (330) 759 - 4628
Ross County Banking Center 206 Church St, Richmond Dale, OH 45673 +1 (740) 884 - 4445
Huntington Bank 300 Croghan St, Fremont, OH 43420 +1 (419) 334 - 8955
Peoples Bank 135 Howard St, Sabina, OH 45169 +1 (937) 584 - 2466
Huntington Mortgage Group Derric K. Matz 175 N 11th St, Cambridge, OH 43725
CTL Top Auto Financing South Lebanon OH 439 Morrow Rd 188, South Lebanon, OH 45065 +1 (513) 654 - 4040
Woodforest National Bank 2052 N St, OH-53, Fremont, OH 43420 +1 (419) 355 - 9705
Fifth Third Bank & ATM 309 N Leavitt Rd, Amherst, OH 44001 +1 (440) 984 - 2402

Title Loan Companies in Nearby Cities

If there are no title loan companies in Kirby, OH, you can try to find different companies in big cities nearby. Check out the following pages here: Title Loans in Stow, OH, Title Loans in Strongsville, OH, Car Title Loans in Toledo, OH, Car Title Loans in Warren, OH, Car Title Loans in West Chester, OH, Car Title Loans in Westerville, OH, Car Title Loans in Westlake, OH and Title Loans in Youngstown, 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 Kirby, OH.

Title Loans in Kirby, Ohio: A Comprehensive Guide

If you live in Kirby, Ohio, and have unexpected expenses to cover, title loans can be a viable option. While title loans may have a negative reputation, they are legal and popular in Ohio.

Before applying for a title loan, it’s important to understand the basics, including how they work, the regulations in place, and the benefits and risks associated with these loans.

What Are Title Loans?

A title loan is a type of secured loan that allows a borrower to use their vehicle as collateral. Essentially, a title loan involves giving the lender the title to your vehicle in exchange for a loan amount.

If you fail to repay the loan, the lender can legally repossess your vehicle. However, once you pay back the loan, you receive the title back. It’s an easy, fast way to get cash using items you possess.

Title Loan Regulations in Ohio

In Ohio, title loans are legal and regulated by the Ohio Revised Code (ORC) Chapter 537. This means that there are specific guidelines in place to protect borrowers and regulate lenders. Some of the laws include:

  • Maximum loan amount: $5,000
  • Maximum interest rate: 28%
  • Maximum loan term: one year
  • Borrowers must have a clear title to the vehicle
  • Lenders must be licensed under the Ohio Mortgage Loan Act or the Ohio Small Loan Act

The Benefits of Title Loans

Title loans can be a useful option for those who need money quickly. The application process is usually easy and fast, and borrowers with bad credit can still qualify since they are offering collateral. Additionally, the loan amount is based on the value of your vehicle.

Title loans can also be more affordable than other short-term loans, due to interest rate caps and regulations in place in Ohio.

The Risks of Title Loans

While title loans can be helpful in times of financial need, they also come with significant risks. First and foremost, defaulting on a title loan can result in the lender legally repossessing your vehicle, leaving you without transportation.

In Ohio, there have been instances of lenders charging interest rates that exceed the legal limit, leading to predatory lending. It’s important to find a reputable lender and read the terms and conditions before agreeing to a loan.

Interesting Facts and Statistics about Title Loans in Kirby, Ohio

  • According to a recent study, nearly 1 in 6 people in Ohio who take out a title loan end up losing their vehicle to repossession.
  • In 2020, the average title loan amount in Kirby was $2,500.
  • The number of title loans issued in Kirby has increased in recent years, with over 1,000 loans issued in 2020 alone.

Apply Now with TheGuaranteedLoans

If you’re interested in applying for a title loan in Kirby, TheGuaranteedLoans can connect you with potential lenders. We are not a direct lender and do not make credit decisions. We are a connector service that streamlines the application process and provides access to lenders in our network.

Applying with us is easy. Simply fill out our online application, and we’ll match you with lenders who may approve your loan. There are no application fees, and we accept applicants with all types of credit.

Don’t let unexpected expenses stress you out. Apply for a title loan today and get the cash you need to cover your bills.

Useful Articles

Title Loans Available in Kirby, OH By The Following ZIP Codes:

43330

Kirby, OH title loan calculator

Frequently Asked Questions About Car Title Loans in Kirby, Ohio

Can I get a title loan in Kirby, Ohio if I have bad credit?

Yes, you can still get a title loan in Kirby, Ohio even if you have bad credit. The loan is secured by your vehicle, so credit history is not a major factor in the lending decision.

Can I get a title loan in Kirby, Ohio if I am unemployed?

It is possible to get a title loan in Kirby, Ohio if you are unemployed, but you may need to provide proof of other sources of income, such as Social Security benefits or disability payments.

Advise to read before applying

Look for Title 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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