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It is legal to offer payday lending services in Ohio. The maximum you can borrow is $500 with a loan term of a minimum of 31 days. The finance charge for a $100 payday loan for 14 days is $1.08. In Ohio you can have only one loan out at a time (four per year). No extensions are allowed. Credit experts recommend spending no more than 25 percent of your available credit on any credit card account. If you have a $1,000 maximum on an account, the balance should not be more than $250 to $300. Better yet, pay off the card and carry no balance whatsoever. How It Works
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