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Payday loans in Alliance OH

Fast Payday Loan Lenders near Alliance, OH

Borrow money for your urgent cash needs in Ohio by visiting a lender’s office; or applying for an urgent loan online. But, if you need money fast from the best lender in your state, apply online. Check out the best features of applying for loans online here at AdvanceSOS. We also have for you a list of direct lenders near you in Alliance, OH.

Quick Online Payday Loans in Alliance, OH, USA Faxless

Payday Loans Companies in Alliance, OH

Addresses, phone numbers, and reviews of lenders stores working nearby you:

Company Address ZIP code Phone Number Ranting Reviews
Eagle Loan 2432 W State St 44601 (330) 068-6000 5 501
Advance America 1270 E State St 44601 (330) 082-1951 5 93
Cashland 2215 S Union Ave 44601 (330) 082-2160 3.5 22
CheckSmart 1731 W State St 44601 (330) 068-4587 5 3
Capitol Cash Advance 542 W State St 44601 (330) 082-5736 3 2

– companies ratings and reviews are based on their Google Business Profile. Updated November, 2022
– do you want to add, delete or modify your company details? Contact us – info@advancesos.com

Use Google Maps to Find Loan Places Near Your Location

Do you want to learn more? Check the video about payday loans in Ohio by Nick Wilson experienced loan officer.

What Will You Need to Apply for the Loan?

Before lenders can consider you for a payday loan, there are certainly some requirements you must fulfill. These mainly depend on the lender and state regulations.

Typically, these are the basic requirements for payday loans in Alliance, OH:

  • Proof of income – the lender must verify that you can pay back the money without defaulting.
  • Proof that you are over the legal adult age – 18 years and above.
  • Provide your social security number
  • Have a regular monthly income of at least $1,000
  • Active savings or checking account with direct deposit
  • Be a US citizen and a resident of Alliance, OH.

How Much Can You Borrow?

Payday loans have limits on how much you can access. Different factors play a crucial role in determining the amount of money the lender is willing to offer. These include the amount of cash you want, your ability to repay, and if the state has put a maximum limit for payday loans.

Currently, Ohio has a payday loan maximum limit of $1,000 per loan. However, if your income and other requirements allow, you can borrow additional small loans from different lenders.

How Fast Do You Get the Funds?

As mentioned earlier, payday loans are meant to offer quick cash to solve an emergency financial situation. For these reasons, some lenders will get your money the same day instantly or within just a few hours. For others, it may take one business day.

If your situation demands instant cash, ensure that you provide the requested documents as fast as possible. This way, the lender can evaluate your application quickly to determine if you qualify.

How Much APR and Fees Will You Incur?

In Ohio, the state recently put a cap on how many APRs and Fees a lender can charge for a payday loan. This means that all lenders of payday loans in Alliance, Ohio, must follow these guidelines. This offers protection for borrowers against some unscrupulous lenders.

The maximum APR amount a payday loan lender can charge is 28%. While it’s still higher than traditional loans, it is a massive reduction from the previous rate topped 667%. Finance charges on loan shouldn’t exceed 0.28 of the loan. Payday loans are always expensive. If it’s not your last resort, keep off;

What Regulations Surround Payday Loans in Alliance Ohio?

Here are the primary state regulations that govern payday loans in Alliance, OH, for both the lender and the borrower:

  • You cannot borrow a single loan of more than $1,000
  • Before getting a payday loan, the borrower should prove not to have debts exceeding $2,500
  • Paydays loans should have a 91-days minimum repayment term
  • All financial charges and APRs cap below 60% of the initial loan
  • The maximum loan repayment term is one year
  • Borrowers are free to reach out to the Ohio Department of Commerce in case of any complaints.
  • A borrower can cancel the application for free before the end of 3 days.
  • Lenders must provide full disclosure of the loan’s agreement to the borrower.

What are Your Payday Loan Alternatives?

Before settling for a specific lender, it’s prudent first to do some research. No matter how fast you need the money, this might help you from getting into an even deeper hole.

There are numerous payday loan lenders in Alliance, OH. And they offer different terms. Browse through several of them to see which ones are available in your area code and those that better meet your needs. Check out our recommended lenders.

Bad Credit Loans

Can you get a payday loan with bad credit in Alliance, OH? Absolutely!

Most Alliance, OH, payday loan lenders don’t always demand a perfect credit score. Most won’t even check the status.

You can qualify for a loan provided you can prove your ability to repay and have met the other essential requirements. This makes them quite convenient solutions for almost everyone.

Are there Payday Loans for the Unemployed?

Unemployment is not a disqualifier to getting payday loans in Alliance, OH. The most important thing is proof of regular income. However, your income source must be eligible.

Lenders need to be sure that you’ll not default on your payday loan as soon as you get it. And since their guarantee is your income, then it’s must be there.

What are Title Loans?

Sometimes you need more money than what a short-term unsecured payday loan can offer. Also, you might not qualify for the unsecured payday loan.

In this scenario, you can use your car title as collateral to secure the desired loan. Title loans are also ideal for emergencies as lenders can process loans for their customers, even without visiting the lenders’ shop.

Key Takeaways

Payday loans in Alliance, OH, are easy to access. Also, there are numerous legit lenders, both online and offline, ready to advance payday loans to help sort your immediate financial need.

All you need is to do some background check on the potential lenders to ensure they can meet your needs and are legit. Also, have all the documents mentioned above to ensure fast approval and processing of the loan.

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