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In Ohio, the Short Term Loan Act regarding the state clearly bans loan providers from accepting a car name as security for the term loan that is short. But, name loan providers work beneath the stateвЂ™s Credit Service Organization Act. This specific work calls for ace cash express loans title loans enrollment and connection for establishments that provide credit fix, financial obligation guidance, and associated services. The lender can issue a loan either in the form of a check or a money order under the CSO Act. The financial institution charges a cashing charge generally speaking 3 to 6per cent for every deal. As a result, a $200 loan can are as long as 600per cent APR.