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Get Quick and Easy Access to Local & Same Day Payday Loans in Newark, OH

Payday loans in Newark OH

Fast Payday Loan Lenders near Newark, 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 Newark, OH.

Quick Online Payday Loans in Newark, OH, USA Faxless

Payday Loans Companies in Newark, OH

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

Company Address ZIP code Phone Number Ranting Reviews
Advance America 1259 Log Pond Dr 43055 (740) 036-2083 4.9 147
Advance America 3267 Maple Ave #6 43701 (740) 045-2630 5 103
Mariner Finance 1125 Hebron Rd Suite A 43056 (740) 052-2222 4.8 33
OneMain Financial 623 Hebron Rd 43056 (740) 052-8151 3.8 22
Equity Resources, Inc. 25 S Park Pl 43055 (740) 034-7082 4.4 17
CheckSmart 801 Hebron Rd 43056 (740) 078-8631 2.8 14
CheckSmart 1069 Linden Ave 43701 (740) 045-7720 3.7 9
CheckSmart 7113 E Main St 43068 (614) 475-1314 2.3 4
Montana Capital Car Title Loans 32 S 30th St 43055 (740) 066-8397 5 1
Payday Loans 445 Piney Creek Dr 43004 (614) 490-4229 0 0

– companies ratings and reviews are based on their Google Business Profile. Updated March, 2023
– do you want to add, delete or modify your company details? Contact us –

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 Do I Need to Apply?

Unlike traditional bank loans, payday loans in Newark, Ohio, don’t demand much. Just fulfill the following simple requirements, and you are eligible for a loan.

  • Be 18 years and above.
  • Have a stable stream of income, earning $1,000 or more
  • Be a US citizen residing in Newark, Ohio
  • An active savings or checking account
  • Provide a phone number and an email address

These details will help the lender determine whether you qualify for the loan and how much money they can lend to you.

How Much Can I Borrow?

Now that you have all the documents ready for the loan application, how much do you qualify for? What’s the maximum you can get?

Well, firstly, the state of Ohio has set a maximum limit for all payday loans at $1,000. This means that no matter how good your income looks, lenders cannot give you above $1,000 for a single loan. However, you are not forbidden to borrow another loan from a different lender.

How Fast Do you Get the Money?

As fast as a few hours! That’s right. Some lenders will work pretty quickly to ensure that you have the money as fast as possible.

If they don’t deposit the money into your account the same day, it will be there by the next business day. However, you must ensure to provide all the correct documents promptly for faster transactions. When they say it’s instant cash, these lenders guarantee just that!

APR and Fees for Payday Loans in Newark, Ohio

Most payday loan lenders in other states charge an average APR of above 400% annually. However, due to the new regulations set by Ohio State, no lender across the state should charge more than 28% a year.

In Newark, Ohio, a payday loan will attract a maximum APR of 28% and a finance charge of 28%. Both these charges should never exceed 60% of the total principal loan. This makes payday loans in Newark, Ohio, one of the best quick cash solutions.

Regulations Surrounding Payday Loans in Newark, Ohio

Every state across the US has different regulations governing the operations of these payday loans. Recently Ohio enacted several new rules that mainly aimed to curb activities of unethical lenders.

These are the regulations that lenders and borrowers in Newark, Ohio, follow.

  • The maximum loan limit for a single payday loan is $1,000
  • All payday loans have a maximum term limit of one year
  • The minimum loan term is 91 days
  • No borrowing beyond $2,500 at a time
  • Full disclosure of the loan agreement to the borrower
  • There is a cooling period of 90 days (three months)

Payday Loan Alternatives in Newark

Although payday loans are a quick solution, the amount they offer might not cover your emergency fully. Also, due to the high APRs, it’s not advisable to take too many payday loans.

If this is you, you need some alternatives. Installment loans and title loans are some of the most readily available options. These not only offer you a chance for higher cash amounts but are also given a much extended period to pay back the loan.

Research well to see which one fits you best.

Bad Credit Loans

In case your credit score isn’t all attractive, there’s no need to panic. Payday loan lenders don’t need to check your credit score for loan approval. In fact, what most of them need is to be sure that you can pay them back their money plus the interest.

So, if you can prove to have a stable income stream, you are suitable for payday loans in Newark, Ohio. The only drawback here is that the interest rates are higher than that of regular bank loans.

What are Title Loans?

Title loans are simply loans offered by lenders, in exchange for your car title, as collateral. This means that the lender will hold on to your car title until you can repay the money plus the agreed interest.

While title loans will also fall under small loans, they tend to offer more substantial amounts and longer repayment schedules. But, if you cannot pay back their money, you can be sure to lose your car.

How to Get Legit Payday Loans in Newark, Ohio

Connecting with the right payday loan lender is crucial. Remember, there are still some lenders who are out there to milk you dry.

At, we do the hard work for you. We do in-depth research on each lender before recommending them to you. All you need is to fill in the application form on our website and be sure to receive the best service.


Taking Payday loans in Newark, Ohio, is an excellent way to sort out your emergency cash advance needs. But always make sure to seek the services of reputable lenders. This way, you can minimize your chances of getting disappointed.

You don’t want to get into a deeper hole than you are in now.

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