are my loans legal?

First here are the guidelines for Ohio:
Lending of payday loan is considered legal (-Low Cost) in the State of Ohio.
Loan Specifications
Maximun Amount of Loan - $500
Term of Loan - 31 days
Maximum Rate of Finance and Fees- 28% per annum
Finance Charge on $100 loan for a 14 day period - $1.08
APR for $100 loan for a 14 day period - 28%

Debt Limits
Maximum Number of outstanding loans permitted at a time - 1, 4 per year
Permissible number of Rollovers - None
Cooling-off Period - Limit of 2 loans in 90 days
Repayment Plan - Yes, available. 60 days time period. No fees.

Limits of Collection
Collection Fees - a) Bank charges (if disclosed); b) Collection aharge of $20; c) Court costs arising after default; Damages
Criminal Action - Prohibited

File your Complaint and get Information
Regulator - Ohio Division of Financial Institutions
Address - 77 South High Street, 21st Floor Columbus OH 43215
Phone - (614) 728-8400
Regulatory Contact - Robert M. Grieser,, Deputy Superintendent for Consumer Finance

That being said - Licensing Requirements:
Online lenders must be licensed in Ohio.
Notes: Transaction may be handled as a CSO Loan. See Important Notes.
* State law imposes a rate cap of 28% APR ($1.08 for 14-day $100 loan) but a lender may be regulated as a credit service organization (CSO). Generally, a CSO does not need to be licensed so there is no limit to the maximum loan or finance charge.

So therefore - MultiLoanSource, Castle, & Fox Hills - Are all tribal lenders - seriously doubt they are legal to lend in Ohio - follow the steps below in my link on how to deal with - all of them!! How much originally borrowed from each and how much paid to date - you are only responsible for principal only minus any thing already paid..

Money Key looks to be legal in Ohio - check with Ohio Division of Financial Institutions to make sure..