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Home Parma

Cash Advance in Parma, 44129

Parma, a scenic suburban city of nearly 80,000 citizens in Ohio, is full of hard working citizens, modern amenities, and various businesses.

However, Parma citizens may run into financial struggles at any time. Ohio allows short-term lending with specific limitations for borrowers needing fast money.

Getting a cash advance in Parma is accessible, but keep reading to learn more about the terms and regulations first

Services available

A cash advance loan gives you the money you need upfront in a short time and for every purpose

Payday loans

A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck.

Cash Advance

With a cash advance, you can get the money in just a few hours. No more waiting for days or weeks for a loan approval!

No Credit Check Loans

Get fast, hassle-free loans without a credit check, ideal for those who want quick approval and flexibility.


Same day Loans

Need funds immediately? Our quick loans provide same-day cash access to cover unexpected expenses or urgent needs.

Cash Loans

Access straightforward cash loans with a simple application process, perfect for emergencies or when you need extra funds fast.

Bad Credit Loans

Personal loans for bad credit to help you secure funds despite credit issues, with flexible terms and quick approval.

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We offer

Free of Charge Service

Simple Online Loan Request Form

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Secure Personal Data

Extensive network of trusted lenders

Lenders offer

Instant Lending Decision

Fast Approval Process

Free Quote

Same Day Funding (if certain requirement are met)

Customer Reviews

Great
4.2
Tammy H.
The loan terms offered by this company were fair and transparent, which I appreciated. They explained the conditions clearly, making the borrowing process straightforward with no hidden costs.
Nathan J. S.
Fair and transparent lending conditions!! I liked how this company's conditions were explained clearly. Clear and simple borrowing process with no unexpected costs.
Jacky W.
Superb Cash Advance exceeded my expectations when I needed assistance buying a car with bad credit. Their flexible terms, competitive rates, and efficient service made the process seamless and positive, providing a reliable solution for those facing credit hurdles.
Andrew C.
Superb Cash Advance made buying a car with bad credit a surprisingly positive experience. Their understanding staff and easy process not only provided the funds I needed but also helped improve my credit situation, making them a standout choice for anyone facing similar challenges.
Baker G.
Superb Cash Advance truly stands out for their exceptional online bad credit loans. Their efficient online platform, coupled with their understanding staff, made the entire process remarkably positive, providing the financial support I needed without the usual hurdles of a poor credit score.
Ilyas C.
Payday advance loans are best Superb Cash Advance when u are in need of money before your payday, they have helped a lot and can help you too.
Darrick H.
My bad credit had me worried, but this company made it possible for me to get a money loan. They looked beyond my credit score and helped me when I needed it most.
Mollie G.
I was skeptical about finding a guaranteed direct lender for bad credit in Parma, but this company proved me wrong. Their transparency and reliability made the loan process smooth and stress-free.🤗
Dennis P.
Having bad credit is such a pain, but let me tell you, these online payday loans for bad credit saved my life! The whole process was a breeze and I finally got the financial help I needed. Thumbs up! 👍💰
Larry C.
I was in a tight spot financially and needed some cash money loans right away. The loan company totally saved my life! Their customer service team was super friendly and helped me out with the whole process. They got me the money I needed really quickly, and I'm so thankful for their fast and dependable service.🙌🙌
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What Are Cash Advance Loans?

Cash advance loans are short-term loans that give borrowers a set amount. They are known as payday loans, as the loan’s due date often matches the debtor’s next paycheck.

However, borrowers must also pay interest and additional fees at an annual percentage rate (APR).

Each state has different APRs that combine the total additional loan costs into a single percentage. If a loan has a higher APR, the borrower must repay more.

Parma follows Ohio’s state regulations for cash advances and short-term loans.

These are the important details to remember for their cash advance loan process:

  • Maximum Loan Amount: $1,000
  • Minimum Loan Term: 91 days
  • Maximum Loan Term: 1 year
  • APR: 28%
  • Fees: These are the fee limitations:
    • Monthly Maintenance Fee: 10% of the principal loan amount or $30 (whichever is lower)
    • Origination Fee: 2% if the principal loan amount is above $500
    • Check Collection Charge: $20

Parma has specific regulations regarding cash advance loans:

  • A borrower’s loan term may be less than 91 days if the monthly loan payment does not exceed 6% of their gross monthly income or 7% of their net monthly income.
  • No rollovers.
  • Lenders cannot charge more than 28% APR.
  • While Parma borrowers can have loans from multiple lenders, their total loan amount cannot exceed $2,500.
  • The total loan, including APR and fees, cannot exceed 60% of the principal loan amount.

Requirements for a Parma Cash Advance Loan

To receive money from a cash advance loan, Parma borrowers must meet or submit these requirements:

  • Be at least 18 years old
  • Own an active bank account
  • Proof of income like bank statements or pay stubs
  • Valid government ID

Choosing the Right Loan Type

Various loan types have different uses and limitations. Understanding how they work is crucial to knowing which is the best option.

These are common loan types and their uses:

  • Installment Loans: Installment loans provide borrowers with a lump sum to be repaid in set portions.
  • Mortgages: Mortgages are long-term real estate loans where the borrower’s home serves as collateral.
  • Personal Loans: Personal loans offer smaller amounts and shorter terms.
  • Title Loans: Title loans use vehicles as collateral, and borrowers receive money based on the vehicle’s value.

Before starting any loan process, ensure you can manage the loan’s terms.

How to Get a Cash Advance Loan in Parma With Our Third-Party Lenders

When you need a quick and secure online cash advance loan, our third-party lenders provide guidance over the loan’s terms, processes, and requirements.

These are some of the many great features you can experience with their service:

  • Begin the loan process within a few minutes
  • Support for bad credit loans
  • Strong web security

To start the process, fill in our online inquiry form and wait for a lender to contact you.

Can You Get Bad Credit Cash Advance Loans in Parma?

You can get a cash advance with bad credit in Parma, OH. State laws do not require credit checks for smaller loans.

Parma Cash Advance Loan Laws

Ohio Rev Code § 1321.41 clarified that borrowers must sign a declaration form to guarantee they meet all requirements, especially the $2,500 loan limit.

It states: “Prior to making a short-term loan, a licensee shall require each borrower to sign a written declaration that, pursuant to this division, the borrower is eligible to receive the loan and shall make a concerted effort to verify the borrower’s eligibility.”

Conclusion

Parma has relatively flexible and accessible cash advance regulations. Remember, however, to only borrow what you can afford.

If you need money quickly through payday loans, fill out our inquiry form to begin the inquiry process. After pre-approval, a lender will contact you.

FAQs

Below are answers to common questions about payday loans.

How to Consolidate Payday Loans?

Consolidating payday loans involves combining multiple loans into one loan.
These are the steps required:
Review current payday loan debts plus APRs.
Research consolidation options like personal loans.
Compare the option’s terms and APR.
Choose a consolidation option and start the loan process.
Use funds from the consolidation to pay off the existing loans.
Ensure you meet all loan terms to reduce overall debt.

How Many Payday Loans Can I Get?

Parma allows only one payday loan at a time.

How Do Payday Loans Differ From Other Types of Loans?

Payday loans have shorter terms with higher interest rates meant for immediate expenses. Other loans are usually long-term with larger maximum amounts. 

Address

7636 W Ridgewood Dr #3, Parma, OH, 44129

Open hours

Mon – Fri:

9am – 7pm

Saturday:

10am – 4pm

Sunday:

Closed

Phone Number

(216) 294-2320

Get the funds you need

When you need money urgently, you can visit one of our Florida location offices near your home. Primo Personal Loans in Florida are here to serve you!

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3111 W 117th St Suite E, Cleveland, OH 44111

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