Payday Loans in Xenia, OH

Payday loans in Xenia, OH, are the best short-term, small-dollar loan you can take when you are in a financial crisis. All you have to do is pay the loan back on your next payday. The beauty of this kind of cash advance is that your credit doesn’t have to be good to access it. They are offered even to borrowers with no credit or with bad credit.

This unsecured loan comes in handy when you have a financial need that needs fixing as soon as possible. In Ohio, the maximum loan amount of a payday loan is $1000, but you can get a loan of up to $2500 if you apply with multiple different payday lenders.

Benefits of Payday Loans in Xenia, OH

What are the pros of taking out payday loans in Xenia, OH?

  1. Borrowers don’t need to have a good credit history to get them – The credit history of the borrower doesn’t matter. What matters the most is the ability to repay the loan.
  2. The use of the money is not restricted to any particular purpose – A borrower doesn’t have to elaborate on how they will use the cash. They can use it for whatever purpose they please.
  3. Access to instant cash – When in an emergency, borrowers need a lender to give them the money as quickly as possible. Most bank loans may take a little longer before the lender disburses the cash. Therefore, payday loans are the ideal option for emergencies.
  4. The application process is quick and straightforwardApplying for payday loans can take less than 5 minutes.
  5. Loan approval is quick – If you have all the documentation required, the lender can deposit the money into your account within minutes. And, if that doesn’t happen, you can be sure that the approval will not take any longer than one business day.
  6. Fewer requirements compared to other loans – Compared to other loans, payday loan requirements are fewer.

How to Get Payday Loans in Xenia, OH

If you want payday loans in Xenia, OH, you can apply for them online or physically. The online option is quick and convenient, and AdvanceSOS has even made the process more swift and secure. We have a collection of legitimate loan companies in Ohio, that can offer you excellent services.

For those that prefer to visit a local lender, the application process is the same. However, you must arrive at their office during working hours to get the loan.

Requirements for Payday Loans in Xenia, OH

When applying for payday loans in Xenia, OH, you must fulfill the following requirements:

  • Must be 18 years or older
  • Verify your identity with an ID or a driver’s license
  • Proof of the ability to repay the loan with pay stubs or another similar document
  • Be a resident of Xenia, OH
  • Have a checking bank account
  • Have a valid email address and phone number
  • Some lenders ask for the social security number

APR and Fees

Payday loans have some downsides, though. The main one is the high cost of borrowing. Due to their high risk of default, lenders charge high interest rates.

Luckily, in most states where payday lending is legal, the cost of borrowing is also regulated. According to Ohio laws, the APR is 28%, and the finance charge is 28%, too. The borrower is also charged other fees like maintenance fees and loan origination fees.

How We Can Help

AdvanceSOS offers borrowers protection against unscrupulous lenders. Our platform has created a database of licensed and legitimate payday lenders. Therefore, if you apply for a loan through our platform, you can rest assured that the lender you connect with is reputable and well-vetted.

To get started, just click on the button, provide the financial and personal details required, and hit submit. The lender will get in touch and provide a loan agreement for you to sign. Be sure to read over all details, and if everything sounds good, go ahead and sign.

Payday Loans Companies in Xenia, OH

Name Address Phone
First American Cash Advance 111 N Allison Ave Xenia OH, 45385 937-374-3615
First American Cash Advance 111 North Allison Avenue Xenia OH, 45385 937-374-3615
Check Into Cash Of Ohio Llc 1796 W Park Sq Xenia OH, 45385 937-372-7073
Check Into Cash 1796 West Park Square Xenia OH, 45385 937-372-7073
Cash Express Llc 2427 Cornwall Dr Xenia OH, 45385 937-376-5762
Cevan Inc 354 E Main St Xenia OH, 45385 937-372-1100
Instant Cash Currency Exchange 354 East Main Street Xenia OH, 45385 937-372-1100
Cash Express Llc 36 N Detroit St Xenia OH, 45385 937-376-5762
Buckeye Check Cashing Inc 397 W Main St Xenia OH, 45385 937-372-8018
Checksmart 397 West Main Street Xenia OH, 45385 937-372-8018
National Cash Advance 64 Xenia Towne Sq Xenia OH, 45385 937-376-1145
National Cash Advance 64 Xenia Towne Square Xenia OH, 45385 937-376-1145
Cashland 645 W 2Nd St Xenia OH, 45385 937-374-2738
Cashland Inc 645 West 2Nd Street Xenia OH, 45385 937-374-2738
Check Into Cash 689 W 2nd St Xenia OH, 45385 937-372-7073

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