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Payday Loans in Ohio

If your income is not enough to pay all your bills, or you have a bad credit, or you just badly need money – Payday Cash Advance or Installment Loans with their convenient terms and great availability can be a solution to your problem.
  • Competitive rates and fees from 300+ direct lenders

  • 100% online instant approval 

  • Funds can be deposited directly into your bank account even today

Online Payday Loans for Any Needs

Looking for a Payday Loan in Ohio? $100 - $1,000 emergency cash advance is available for any resident over 18 with an active bank account even if his credit score is not perfect. You can apply online or in a store near you. As soon as the information is verified, you are guaranteed to get an instant decision from a direct lender. They approve you if you meet basic eligibility criteria. And the money is deposited into your banking account within 1 - 2 working days.

For Ohio residents in need of higher amounts of cash advance Personal Installment Loans up to $35000 are offered. They differ from Payday Loans by longer and more flexible repayment terms. Choose what suits you better and start a free online application.

Are you ready to get your loan now?

Please fill out a simple form to get your money - it takes only a few minutes.

Select your city to see loan options in Ohio

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Payday loans, and other short-term loans, are one of the sollutions available in any emergency situation when you need urgent cash. You can apply for up to $1000 cash advance in Ohio online or in-store. Just make sure your lender is familiar to and follows the laws and regulations of the state. Read further to learn the most up-to-date rules concerning Payday Loans in Ohio.

Сontents:

Payday Loans in Ohio

What is a Payday Loan.

Online Payday Loans in Ohio.

Ohio Payday Loans from direct lenders.

Same Day Payday Loans in Ohio.

Bad Credit Payday Loans in Ohio.

No Credit Check Payday Loans in Ohio.

Payday Loans in Ohio

If you need urgent cash advance in Ohio, the quickest and easiest way is to apply for an Unsecured Bad Credit Payday Loan up to $1000. We guarantee you instant decision from direct lenders if you meet the simple requirements:

  • You are at least 18 years old.
  • You have stable income and can prove it by government checks, paychecks, etc.
  • You have an active banking or checking account.
  • You are not actively serving in the military.

What is a Payday Loan?

Payday Loan is a kind of loan especially designed for people with some urgent expenses. According to Ohio state law, payday lending is legal 1.

MAX Loan Amount

$1000

MIN Loan Amount

 

$100

Repayment Terms

91 day – 1 year

APR

28%

Finance Charges

28%

Bad Credit

OK

Collateral or Guarantor

None, Unsecured

Turnaround Time

1 business day

Number of loans

1 at a time

Rollovers, extensions

None

Maximum APR was capped to 28% only in October 2018. Before it used to be up to 677% which made short-term loans very expensive. Lenders could charge whatever interest they wanted. Now borrowers are well protected by the lawmakers who seriously aim at preventing Ohio residents from Payday Loan debt.

One in 10 Ohioans has taken out a Payday loan, or short-term cash advance borrowed against a post-dated check.

But in April, 2019 the traditional payday loan disappeared from Ohio, thanks to a law intended to crack down on high interest rates and sneaky fees.

It was replaced with "payday loans" that have a longer loan repayment period, a cap on interest and fees and limits on how much can be borrowed3. 

Online Payday Loans in Ohio.

Applying for a Payday Loan in Ohio is simple and quick. In general, you can fill out an application form online in a few minutes and get an instant solution.

But if you have questions, you can go to a Loan store near you and ask all your questions there. There are no additional application fees and no hidden charges. Another advantage is that lenders do not require any information about the purpose of the cash advance. You can get the money and use it for any purpose you need.

Ohio Payday Loans from direct lenders.

It is becoming easier, cheaper and more flexible to take loans from a direct lender in Ohio. Besides, it’s safe as according to Ohio Rev. Code Ann. 1321.35 et seq. all Payday lenders must get a Short-Term Loan Law license 2. It concerns online lenders as well. Now, the Short-Term Loan Act requirements are obligatory for all lenders, regardless of the origination channel (online lenders including).

Besides direct lenders, you can use the brokers’ or matching service. The main purpose of brokers is to find customers and then prompt them to credit card companies or link to lenders and their customers. Maybe it's convenient. But before applying make sure it’s a legal company, not a scammer who can steal your personal information and you will have problems.

Same Day Payday Loans in Ohio.

Ohio Payday loans are a quick way to get the money because you only need to fill out an application and you will get paid within hours or the next day (it all depends on the time you fill out the form). If the borrower applies on a business day, cash can be obtained in a couple of hours. But if you apply at the weekend or at the end of the working day, you should not immediately wait for the money, the application will be processed at the beginning of the next working day.

But remember that the tender is not responsible for the Bank transfer.

Bad Credit Payday Loans in Ohio.

Payday loans in Ohio can be considered for both good and bad credit score applicants without any discrimination. When you go to the Bank and ask for a loan and you have outstanding loans or you have a bad credit history, the credit score is really less than normal, you are more likely to be denied a loan. That's what really sets us apart from the banks. So, if you suddenly hear "no" in the Bank, try to apply with us, and most likely you will hear the cherished "Yes".

No Credit Check Payday Loans in Ohio.

Cash advance in Ohio without a credit check can seem risky to borrowers as it won't help you make sure you can afford that loan. It is preferable to find a lender that performs at least a soft inquiry. We can promise that soft credit check will not do more harm to your credit history than a loan debt. Besides, it will help you make sure that you can really afford this cash advance.

References:

1. payday-lending-ohio-fact-sheet.pdf

2. https://law.justia.com/codes/ohio/2011/title13/chapter1321/section1321-39/

3. House Bill 123

Are you ready to get your loan now?

Please fill out a simple form to get your money - it takes only a few minutes.

LOCATION

Start Online application NOW!

$100 - $1,000 Payday Loans

$1,000 - $35,000 Personal Loans

Get Your Money in a Few Clicks

By submitting your information you claim you have read and understood and agree to Privacy Policy, Terms of Use, Responsible Lending and Marketing Practices