Some payday lenders require you to repay your loan at the same location where you got your loan. Make sure you understand the agreement. The payday lender will ask you to sign an agreement that shows your loan costs, including interest, fees and the due date.
Read this document carefully before signing it. Ask the payday lender about anything you dont understand. How much payday loans cost. Payday loans are very expensive compared to other ways of borrowing money.
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Cash in hand payday loans French pointed out that [p]ursuant to R. 1321. 36(A), no person may make a short-term loan to an Ohio borrower without first obtaining an STLA license, but R. 1321. 35(A) defines short-term loan narrowly as a loan made pursuant to the STLA. Thus, there is no language in the STLA that requires a lender to be licensed under that act before making a payday-style loan, she continued.
Had the General Assembly intended the STLA to be the sole authority for issuing payday-style loans, it could have defined short-term loan more broadly. [Ohio Neighborhood Finance] is not licensed under the STLA and is, therefore, not entitled to make short-term loans pursuant to the STLA, Justice French wrote.
But the loan here was not an STLA loan; it is undisputed that the STLA would not permit the subject loan, because its terms contravene the STLAs requirements regarding the loan term, interest, and fees.