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Ohio Payday Loans and Lenders

Ohio is the one the black sheep, or the sore thumb of payday lending states. It sticks out. They are in the top ten of states with the most payday lending centers, but their interest rate is on the lower side for payday loans. Their terms are exceptionally long. But despite all their differences, no one can argue that the industry is not thriving in the state. We would be proud to offer you a payday loan. Here at Payday Today we specialize in speedy service. Your application will only take three or four minutes tops to complete, and the funds will be waiting for you the morning after you apply. It’s quite easy. Go ahead, give it a try.

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Alternatives to Ohio Payday Lending

Payday Loans can be an effective solution for people who are n a temporary economic pinch. If you have more profound financial issue, we encourage you to consider our credit cards, personal loans, debt consolidation, and credit counseling instead.

Ohio Payday Lending Laws

Payday Lending is a legal practice in the state of Ohio. In fact, interest rates in Ohio are a little on the low side compared with other states, which is unexpected considering the amount of lending centers they operate. The maximum interest rate a lender can charge in Ohio is 15%, or an extra $15 per every $100 loaned. This figure creates an APR of 390%. The most a borrower may take out per loan is $800. The maximum loan period in Ohio is an unusually long period of six months.

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Number of Payday Lenders in Ohio

Ohio ranks 8th in the nation when it comes to the amount of payday lenders operating in the state. There are at least 1,374 payday lending centers in Ohio.

Ohio Unemployment Statistics

According to the United States Department of Labor:
The unemployment rate in Ohio in January 2006 was 6.1, which means that 355,859 people were unemployed in Ohio at that time. That rate was a 0.7 drop from the previous January when the rate was 6.8. Over the past ten years, the unemployment rate has not risen above 7.0, nor fallen below 3.4.

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* Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.

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