Toledo

Payday Loans in Toledo, OH

Are you in a huge financial mess that you need to fix quickly? Do you dread the thought of putting up one of your assets as collateral for a loan? Payday loans in Toledo, OH, are just what you need.

Payday loans are short-term loans that do not require any form of security. They are also referred to as cash advance loans. They are easy to apply for, and once your application for a payday loan is approved, the lender will give you a cash advance in less than 24 hours.

Do I Need Any Form of Collateral to Apply for a Payday Loan in Toledo, OH?

Payday loans are unsecured loans that do not need any form of collateral at all during application. The closest thing to collateral that might be required of you while applying for a payday loan in Toledo, OH, is a post-dated check of the amount you borrowed, including all interests and fees. The lender can cash this check if you fail to meet the payment agreements. The fact that collateral is not needed is one of the reasons payday loans have a high interest rate.

Can I Apply for Payday Loans in Toledo, OH, With the Aid of a Payday Broker?

A payday broker is a person or company that helps you find payday lenders. You are allowed to use the aid of a payday broker to apply for a loan in Toledo, OH. However, you should be careful while using payday brokers as some can make the process of getting even more expensive with their fees.

What Is the Maximum Amount I Can Borrow From Payday Lenders in Toledo, OH?

The maximum amount of money you can request from a particular payday lender in Toledo, OH, is $1000. This ensures that you aren’t tempted to borrow a large amount of money that you might find difficult to repay. Also, in Toledo, OH, there is no rollover of any loan. You can not take more loans from a payday lender until you have repaid the debt for the previous loan in full. This helps to decrease the incidence of debt stacking.

What Is the Term for Payday Loans in Toledo, OH?

The term refers to the stipulated time frame within which lenders expect you to repay a loan. The duration for payday loans varies from state to state and city to city. In the city of Toledo, Ohio, the minimum term for a payday loan is 91 days, while the maximum term is a year.

Can I Repay My Payday Loan Early in Toledo, Ohio?

Most payday lenders do not allow the borrower to repay their loans earlier than scheduled. As a result of the laws governing payday loans in Ohio, payday lenders in Toledo, OH, can give you a three-day window period to repay your loan at no extra cost in the form of interests or fees.

What Are the Requirements for a Payday Loan in Toledo, OH?

Despite how simple a payday loan application is, you must meet some specific requirements before a payday lender in Toledo, OH, grants you a loan. Failure to meet any of these criteria could interfere with your chances of getting a payday loan. These are some of the requirements:

  • You have to be at least 18 years old.
  • You must have a government-issued ID or a social security number.
  • You must provide evidence that you are a legal resident of America.
  • You need to have a valid email address and a phone number.
  • You must have a stable income that can cover the cost of your loan.
  • You must have a valid checking account.

What Are the Cons of Payday Loans?

Payday loans might sound so appealing that you might ignore some disadvantages associated with payday loans.

  • Payday loans cost a lot of money the ease of applying for payday loans is only compensation for the high interest rates and fees they attract.
  • Payday loans can pull you into a cycle of debt, making you apply for even more payday loans.
  • Most borrowers often sign a post-dated check to the payday lenders in case they don’t meet up with payment. You could have an overdraft on a bank account, or the check you signed may bounce. An overdraft could mean you et additional fees from your bank, while a bounced check could land you in jail.

Alternatives to Payday Loans in Toledo, OH

With all the concern about the predatory nature of payday loans, one might begin to wonder if there are any alternatives to payday loans. How do you escape financial troubles without turning to payday loans for help?

  1. Cut Down on Your Expenses: if you take a close look at your budget, you will discover that you might be spending so much money on some things that are not necessary at all. Eliminating these expenses could help you come up with the cash you need to solve your financial troubles.
  2. Borrow from Friends and Family: borrowing from friends and members of your family can be a better alternative than borrowing from payday lenders. Most friends and family members will be willing to lend you money with no interest involved. These loans are easier to repay and prevent you from getting deeper into debt.
  3. Credit Unions: these are non-profit financial institutions formed to ensure the financial wellbeing of their members. Most credit unions are comprised of like-minded people who wish to help one another out financially. Credit unions offer loans to members at very low interest rates. An added advantage of credit unions is that they can overlook members’ credit scores while approving loans.

Cash Advance and Payday Loan Companies Near You (Lenders Locations)

Company name Address Zip code Phone number
Quik Cash 2631 Dorr St 43607 (419) 537-1346
Quik Cash 1577 W Sylvania Ave 43612 (419) 478-4939
Quik Cash 20 E Alexis Rd, Ste B 43612 (419) 476-8773
CashMax Ohio 5055 Glendale Ave, Ste 3 43614 (419) 382-2400
National Cash Advance 1744 W. Laskey Road 43613 (419) 474-2223
First American Loans 240 West Alexis Rd., Suite C 43612 (419) 478-8506
Monroe Carryout 2839 Monroe St, Ste B 43606 (419) 243-8834
Quick Cash 3265 W Alexis Rd 43613 (419) 475-2078
Cash Connection 2940 Monroe St 43606 (419) 241-9100
Check ‘N Go Store #977 2336 S Reynolds Rd 43614 (419) 865-5474
CashMax Ohio 5155 Glendale Ave 43614 (419) 380-9533
Check ‘N Go Store #2981 5200 Monroe St 43623 (419) 841-9757
Cash Pius 4011 Secor Rd, Ste C 43623 (419) 473-1900
Cashland 2222 N Reynolds Rd, Ste D 43615 (419) 535-5533
Checksmart 5801 Telegraph Rd, Ste 15 43612 (419) 476-8785
Cashland 522 S Reynolds Rd, Ste C 43615 (419) 578-9498
Checksmart 1221 S Reynolds Rd 43615 (419) 382-5385
Checksmart 4550 Monroe St 43613 (419) 472-5007
Cashland 3247 W Alexis Rd 43613 (419) 472-3073
Cashland 5037 Lewis Ave 43612 (419) 470-1661
Advance America 529 Dorr St. 43604 (419) 255-4076
Advance America 1042 W. Alexis Road 43612 (419) 476-8635
Stop And Go #21 1256 Broadway St 43609 (419) 724-3190
CashMax Ohio 1720 W Alexis Rd 43613 (419) 214-0787
Stop & Go 3841 Airport Hwy 43615 (419) 382-9334
Cashmax Ohio 1633 W Laskey Rd 43612 (419) 476-0833
Stop-N-Go 3645 Upton Ave 43613 (419) 474-9131
Stop N Shop 4468 Monroe St 43613 (419) 472-3100
Stop & Go 3730 Monroe St 43606 (419) 472-7343
Stop & Go 3131 W Sylvania Ave 43613 (419) 724-5790
Stop N Shop Check Cashing 3241 Dorr St 43607 (419) 214-0202
Rent-A-Center 551 E Manhattan Blvd 43608 (419) 726-5555
Stop & Go 1223 N Byrne Rd, Ste B 43607 (419) 531-8225
Stop & Go 4870 N Summit St, Ste C 43611 (419) 724-4222
Accelerated Resource Mgmt 3231 Central Park W, Ste 112 43617 (419) 842-1474
Stop & Shop 1210 W Sylvania Ave 43612 (419) 214-0792
Stop & Go Check Cashing 3519 W Alexis Rd 43623 (419) 472-8908
Stop & Go 5825 Jackman Rd, Ste A 43613 (419) 474-1325
Stop & Go Check Cashing 5015 Bennett Rd 43612 (419) 476-2168
Cash Is King 812 Matzinger Rd 43612 (419) 283-6387
Stop & Go Check Cashing 653 Main St 43605 (419) 693-3969
Verizon Wireless 1223 N Byrne Rd, Ste B 43607 (419) 531-8225
Stop & Go 740 South Ave 43609 (419) 724-5500
Stop & Go 434 E Broadway St 43605 (419) 698-3510
Stop & Go 551 E Broadway St 43605 (419) 697-0048
Stop N Shop 1719 Lagrange St 43608 (419) 720-6678
Rent-A-Center 4505 Monroe St, Ste F 43613 (419) 472-6066
Stop & Go 2154 South Ave 43609 (419) 385-5566
Rent-A-Center 1524 Broadway St 43609 (419) 242-0776
Lewis Mart 4252 Lewis Ave 43612 (419) 724-4204
Stop & Go 9140 Angola Rd 43615 (419) 724-2591
Stop & Go Check Cashing 1409 Western Ave 43609 (419) 385-2274
National Cash Advance 1515 S. Byrne Road, Suite 102 43614 (419) 382-5600
Advance America 5153-A Glendale Avenue 43614 (419) 380-9274
Check Into Cash 3362 Glendale Ave 43614 (419) 382-9194
Check Into Cash 4925 Jackman Road 43613 (419) 292-0855
Toledo Gold Exchange LLC 807 Woodville Rd 43605 (419) 720-1999
Rent-A-Center 908 Starr Ave 43605 (419) 697-1717
Verizon Wireless 4870 N Summit St, Ste C 43611 (419) 724-4222
Cash Smart 2940 Monroe St 43606 (419) 241-9100
ALL Cash Express 1817 S Reynolds Rd 43614 (419) 381-9212
Check N Go 5200 Monroe Street 43623 (567) 297-3414
Check N Go 2336 S. Reynolds Rd 43614 (567) 200-0101
Stop N Shop 1407 E Manhattan Blvd 43608 (419) 726-8500
Stop & Go 1806 Arlington Ave 43609 (419) 382-9154
Eagle Loan Company Of Ohio 5414 Monroe St, Ste B 43623 (567) 455-5408
Onemain Financial 5950 Airport Hwy, Ste 1 43615 (419) 866-4333
Onemain Financial 5305 Monroe St 43623 (419) 882-2712
Onemain Financial 5215 Monroe St, Ste 12 43623 (419) 843-4208
Diversified Funding Service 4617 Monac Dr 43623 (419) 475-2786
First Step Auto 50 S Byrne Rd 43615 (567) 316-7970
Beneficial Ohio Inc 1515 S Byrne Rd 43614 (419) 385-3343
Affordable Auto Finance 2159 W Laskey Rd 43613 (419) 724-0509
Citi Financial 6710 W Central Ave 43617 (419) 841-8580
Forsythe Technology 5350 Airport Hwy 43615 (419) 381-7444
Marflax Corporation 6800 W Central Ave 43617 (419) 535-3886
First Step Auto 3338 Dorr St 43607 (419) 531-2899
Beneficial Ohio Inc 5433 Monroe St 43623 (419) 885-1405
Toledo Area Regl Transit Authority 1127 W Central Ave 43610 (419) 245-5201
Signature Bancorp, Inc 4607 W Sylvania Ave 43623 (419) 349-1869
Huntington National Bank 3316 Secor Rd 43606 (419) 534-6112
Huntington Bank 3711 Monroe St 43606 (419) 473-1101
Huntington Bank 4105 Talmadge Rd 43623 (419) 254-7052
Huntington Bank 6655 W Central Ave 43617 (419) 841-7474
Huntington National Bank 2310 W Laskey Rd 43613 (419) 471-2511
Huntington Bank 3950 N Mccord Rd 43617 (419) 254-7026
Huntington Bank 2801 W Bancroft St 43606 (419) 531-2087
Huntington National Bank 4773 Glendale Ave 43614 (419) 254-7016
Huntington Bank 5201 N Summit St 43611 (419) 254-7085
Huntington Bank 3546 W Central Ave 43606 (419) 254-7022
Sun Federal CU 4760 Monroe St 43623 (419) 474-6530
Huntington Bank 519 Madison Ave 43604 (419) 249-3300
Norwest Financial 5380 Monroe St 43623 (419) 885-3984
Toledo Urban Federal Credit Union 1339 Dorr St 43607 (419) 255-8876
Huntington Bank 4700 Heatherdowns Blvd 43614 (419) 254-7015
Check N’ Go 2336 S Reynolds Rd 43614 (419) 442-0263
ALL Cash Express 1817 S Reynolds Rd 43615 (567) 318-0713


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