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The municipal court adopted the magistrates decision. Neighborhood Finance appealed, but the Ninth District affirmed the lower courts ruling. The company filed an appeal with the Ohio Supreme Court, which agreed to hear the case.
In todays opinion, Justice French explained that the MLA provides for either interest-bearing or precomputed loans. Scotts loan was interest-bearing. The relevant statute in the MLA defines an interest-bearing loan as a loan in which the debt is expressed as the principal amount and interest is computed, charged, and collected on unpaid principal balances outstanding from time to time.
While precomputed loans are required cash loans for low income earners nz law to be repaid in monthly installments, the MLA statutes governing interest-bearing payday loans online 10000 do not include a monthly installment mandate, Justice French wrote. The General Assembly could вЂ¦ have included a separate provision in the MLA that specifically requires that interest-bearing loans be repayable in multiple installments, just as it did with precomputed loans by requiring monthly installments, she reasoned.
[I]t did not do so. Reading the statute according to the natural and most obvious import of the statutory language, we conclude that R.
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