Payday Loans in Sydney, OH
Anyone can get into a financial hotspot, even those with a stable income source. Sometimes, an emergency occurs when you’re strapped, and you need instant cash immediately and without questions.
Payday loans are the perfect fit for such situations. After applying for a payday loan, you can even receive the money in less than 20 minutes.
Ohio is among the 37 states that have allowed payday lending. Therefore, if you are a resident of Sydney, OH, you can borrow this cash advance to fix your short-term financial needs. To obtain payday loans in Ohio, you only need to fulfill a few requirements.
Benefits of Payday Loans in Sydney, OH
Here are some of the advantages of borrowing payday loans in Sydney, OH:
- You can borrow this small-dollar loan even with bad credit – If you have poor credit ratings, the possibility of getting another form of loan from a bank is limited. However, with payday loans, your credit score is not a significant determinant of whether you’ll be given the loan or not.
- You’re free to use the cash for whatever purpose you want – Is your car broken down? Do you want to go on a short vacation? Have you run out of groceries? Are your utility bills piling up? No problem! Payday loans can help you sort all kinds of financial needs.
- You’ll get cash fast – When applying for a loan from a traditional lender, chances are you’ll need to wait for days or weeks to receive the cash. Payday loans are disbursed immediately or within one business day.
- Simple application process – When applying online, you simply need to fill out a form and submit it using a device connected to the internet. If you have fulfilled all the requirements and consent to the loan agreement, the lender will deposit the money into your account.
How to Get Payday Loans in Sydney, OH
If you’re in a financial crisis, what is the process for obtaining payday loans in Sydney, OH? Just like with any other decisions, you’re the one to take the first step.
There are two main options for applying for payday loans in Sydney, OH you can choose to either apply online or go to a storefront lender.
Visiting a lender’s office may seem like a quick option, especially if the storefront is near you. However, you may have to wait in line if numerous customers are also waiting for a similar service, and you would only be able to visit during working hours.
The online option, on the other hand, is quick and easy. With just a smartphone, PC, or any other device connected to the internet, you can obtain cash wherever you are and at any time.
Requirements for Payday Loans in Sydney, OH
To obtain payday loans in Sydney, OH, you must first qualify to receive one. Qualification is determined by the following:
- You should be 18 years or over. It’s illegal to lend to someone below legal age in the U.S.
- Have valid identification documents, such as an ID or a driver’s license
- Be a legal resident of Sydney, OH
- Have a valid email address and phone number
- Have a stable source of income, earning no less than $1000
- Some lenders may require your social security number and an active checking account
- Must not be a debtor in a bankruptcy
APR and Fees
Just like with any other loan type, applying for payday loans incurs fees. The maximum APR for payday loans is 28% in Ohio, and the finance charge is also 28%.
Ohio has a maximum payday loan amount of $1000, but you can get up to $2500 if you apply with multiple different lenders. Rollovers are prohibited according to Ohio state laws.
How We Can Help
When applying for payday loans online, you need to be cautious about where to look. Not every payday lender is a genuine one some are just out to rip you off.
As a protection initiative from such unscrupulous lenders, AdvanceSOS has created a database of reputable loan companies to work with. So, if you click to get started, fill out the form, and submit your information, you can be sure that the lender that will contact you is well-vetted and genuine.
ATM Locations in Sidney, OH
|Fifth Third Bank ATM||2300 W Michigan St, Sidney, OH 45365|
|U.S. Bank ATM||915 Michigan St|
|PNC Bank ATM||2221 W Michigan St, Sidney, OH 45365|
|Cardtronics ATM||1400 Michigan St, Sidney, OH 45365|
|Cardtronics ATM||1206 Michigan St, Sidney, OH 45365|
|Minster Bank – Sidney ATM||117 W Russell Rd, Sidney, OH 45365|
|ATM||1529 Michigan St, Sidney, OH 45365|
|ATM||525 E North St, Sidney, OH 45365|
|ATM||2300 W Michigan St, Sidney, OH 45365|
|U.S. Bank ATM||915 Michigan St, Sidney, OH 45365|
|Chase Bank||134 E Poplar St, Sidney, OH 45365|
|U.S. Bank ATM – Northtown||1222 Wapakoneta Ave, Sidney, OH 45365|
|ATM (Us Bank)||115 E Court St|
|Chase Bank||2030 W Michigan St, Sidney, OH 45365|
|Mutual Federal||121 S Ohio Ave, Sidney, OH 45365|
|Chase ATM||134 E Poplar St, Sidney, OH 45365|
|Universal 1 Credit Union ATM||2835 Michigan St, W Michigan St, Sidney, OH 45365|
|PNC Bank||2221 W Michigan St, Sidney, OH 45365|
|Minster Bank – Sidney Office||607 Defiance St, Wapakoneta, OH 45895|
|Mutual Federal||2601 W Michigan St, Sidney, OH 45365|
|Universal 1 Credit Union||2835 Michigan St, W Michigan St, Sidney, OH 45365|
Amanda is a senior writer at AdvanceSOS. She has more than six years of journalism experience, mostly in the finance sector. She graduated with a Bachelor’s Degree from Drew University.