Cincinnati

Payday Loans in Cincinnati, OH

Want a fast and easy way to get yourself out of a financial disaster? Payday loans are the answer to this quandary! They are short-term loans that customers pay back in percentages from a customer’s paycheck. People are inclined to use payday loans in Cincinnati, Ohio because they are well regulated to protect the customer’s interest and don’t require most of the things that a traditional financial institution deems as mandatory.

Why Should I Apply for a Payday Loan in Cincinnati, Ohio?

An advantage of applying for a payday loan in Cincinnati, Ohio, is that the application process is relatively fast, and you can get your application confirmed in a day or even less.

Also, payday loans in Cincinnati, Ohio, can be done online or in physical offices. In this way, there is something for everyone. If you don’t like the idea of spending so much time in a queue, you can always apply online. If you aren’t comfortable making online applications, you can always apply in a physical office.

Furthermore, the lender doesn’t consider your credit score when deciding if you are qualified for a payday loan in Cincinnati, Ohio. This makes a payday loan easy to access even if you have less than average credit history and can’t get a loan from a traditional financial institution.

What Are the Requirements for Me to Apply for a Payday Loan in Cincinnati, Ohio?

  1. You must be at least eighteen years old. Payday loan applications from people below eighteen years aren’t accepted.
  2. You must have a valid checking account.
  3. You must be a legal resident of the city of Cincinnati, OH. You can use a contact address as proof.
  4. You must provide a valid ID
  5. You must have a valid email address and a phone number.
  6. You must have a stable income that pays over $1000. This is to ensure that you can pay back the loan you took.

Payday Loan Regulations in Cincinnati, Ohio

The loan act passed in 2018 by legislators in Ohio also protects the city of Cincinnati. Government officials instated these laws to prevent customers from being victims of exploitative payday loan policies. These are some of the regulations in Ohio that govern payday loans across the state:

  • The loan act placed a cap rate of 28 percent on all loans. This implies that payday lenders in Cincinnati, Ohio, aren’t allowed to charge an interest rate of 28 percent per annum.
  • The cost of fees and interests paid on loans in Cincinnati, Ohio, must not be above 60 percent of the initial amount borrowed by the customer.
  • Payday loans in Cincinnati, Ohio, have a term of at least 91 days, within which you can pay back debt from a loan. However, the duration of a loan can’t exceed a year.
  • Monthly payments for a loan can’t be more than 60 percent of a customer’s income if the loan lasts for less than 90 days.
  • Payday loans in Cincinnati, Ohio, allow you to return the money borrowed within three days and cancel the loan at zero interest rate.
  • You can’t borrow above $1000 from a lender, and you must have paid all outstanding debts before you can apply for a payday loan.

Do I Need a Guarantor to Apply for a Payday Loan in Cincinnati, Ohio?

A guarantor is a person who supports a borrower when they apply for a loan in a financial establishment. The guarantor signs some documents that make them liable if the borrower doesn’t meet their end of the loan bargain. Payday loans aren’t secured loans, so you don’t need to provide a guarantor or any form of collateral before you are eligible for a payday loan in Cincinnati, Ohio. Short-term loans which require a guarantor are different from payday loans.

Loan Alternatives in Cincinnati, Ohio

Payday loans have a high interest rate that can plunge a customer into deeper debt if not approached with caution. Fortunately, other short-term loans can stand in place of payday loans.

  1. Title Loan: this is an example of a secured loan. It requires the title of an asset (usually a car) as collateral. While the interest rates of title loans are high, they aren’t as high as those of payday loans. Like payday loans in Cincinnati, Ohio, title loans don’t require the borrower’s credit history before approval.
  2. Installment Loan: an installment loan is a type of loan where a borrower is lent a particular amount of money at once. The money borrowed is to be paid back in installments over a stipulated period. An installment loan could be fixed-rate or variable-rate.In a fixed-rate installment loan, the amount to be paid back doesn’t change with time. In a variable-rate installment, the amount to be paid back changes with time due to interest rates. Installment loans are predictable because there is a set date when you would have paid all your loans if you follow the plan meticulously.
  3. Personal Loan: a personal loan is a type of installment loan. You secure these with collateral, or they can be unsecured. If you don’t comply with the stipulated payment plan for a secured personal loan, the lender can confiscate your collateral to service your debt. You don’t need to provide collateral in an unsecured personal loan, but lenders will check your credit history. Also, because of the risk borne by the lender in unsecured loans, they usually have a higher interest rate than secured loans.

Cash Advance and Payday Loan Companies Near You (Lenders Locations)

Company name Address Zip code Phone number
All American Payday Loans 525 Vine St Ste 1 #1175 45201 (513) 823-2187
Cash Advances by Phone 8044 Montgomery Road, #708 45236 (440) 490-4066
United Check Cashing 2832 Jefferson Ave 45219 (513) 961-8700
First American Cash Advance 9810 Colerain Ave 45251 (513) 923-9610
ALL Cash Express 6142 Colerain Ave 45239 (513) 741-8462
Cash Plus Cincinnati 7428 Montgomery Rd 45236 (513) 245-2274
Quik Cash 7990 Colerain Ave 45239 (513) 522-0371
First American Cash Advance 6835 Montgomery Rd 45236 (513) 891-2422
ALL Cash Express 4787 Red Bank Expy 45227 (513) 271-3602
ALL Cash Express 4175 Hamilton Ave, Ste 1 45223 (513) 591-2264
ALL Cash Express 342 Northland Blvd 45246 (513) 771-4333
ALL Cash Express 4981 Vine St 45217 (513) 641-0756
ALL Cash Express 1667 E Kemper Rd 45246 (513) 771-5028
ALL Cash Express 1207 W Galbraith Rd 45231 (513) 931-2274
ALL Cash Express 7331 Montgomery Rd 45236 (513) 794-0777
ALL Cash Express 2516 Victory Parkway 45206 (513) 751-2274
ALL Cash Express 7990 Reading Rd 45237 (513) 761-4270
First American Loans 8593 Winton Road 45231 (513) 931-4888
National Cash Advance 8320 Colerain Avenue 45239 (513) 923-2247
National Cash Advance 3288 Highland Avenue 45213 (513) 531-3144
Ohio Checkcashers Inc 702 Reading Rd 45202 (513) 421-4200
Check Exchange 1836 Seymour Ave 45237 (513) 731-9996
Cash Plus 12102 Doe Run Ct 45240 (513) 521-7587
Ohio Checkcashers Inc 1529 Vine St 45202 (513) 651-7272
Express Payroll Advance DWNTWN 620 Vine St 45202 (513) 369-0008
Ohio Checkcashers Inc 3513 Reading Rd 45229 (513) 559-0220
Ohio Check Cashers Inc 799 E Mcmillan St 45206 (513) 281-4200
Cashland 3474 N Bend Rd 45239 (513) 481-1120
Check ‘N Go Store #1003 9178B Winton Rd 45231 (513) 931-8500
Check ‘N Go Store #1007 9405 Colerain Ave 45251 (513) 385-7600
Check ‘N Go Store #1005 775 Eastgate South Dr 45245 (513) 943-7711
Check ‘N Go Store #1009 6212A Glenway Ave 45211 (513) 662-0200
Advance America 1220 W Kemper Rd 45240 (513) 674-1400
Checksmart 637 Ohio Pike, Ste E 45245 (513) 947-9551
Checksmart 3441 Warsaw Ave, Ste A 45205 (513) 471-0548
Check ‘N Go Store #1004 5365 Ridge Ave 45213 (513) 531-2288
Check ‘N Go 7733 Reading Rd, Ste 7 45237 (513) 948-0111
Checksmart 7680 Montgomery Rd 45236 (513) 936-9995
Checksmart 2830 Vine St 45219 (513) 281-5490
Checksmart 9234 Colerain Ave 45251 (513) 741-3777
Check N Go 7755 Montgomery Road 45236 (513) 531-2288
Cashland 5708 Glenway Ave 45238 (513) 451-0900
Cashland 4081 E Galbraith Rd, Ste 2 45236 (513) 891-8329
Check ‘N Go 7625 Beechmont Ave, Ste 6 45255 (513) 231-4250
Cashland 1590 Goodman Ave 45224 (513) 522-3712
Checksmart 1571 W Galbraith Rd, Ste 3 45231 (513) 931-7300
Checksmart 3834 Montgomery Rd 45212 (513) 731-8200
Checksmart 6580 Glenway Ave 45211 (513) 598-9941
Check Into Cash 8160 Corporate Park Dr, Ste 220 45242 (801) 538-8830
Check ‘N Go 1184 W Kemper Rd 45240 (513) 674-1600
Checksmart 658 Main St 45202 (513) 929-4155
Checksmart 6582 Glenway Ave 45211 (513) 598-9551
Checksmart 5450 N Bend Rd 45247 (513) 481-3222
Cashland 5223 Glenway Ave 45238 (513) 244-7134
Checksmart 10990 Hamilton Ave 45231 (513) 851-3100
Cashland 11008 Hamilton Ave 45231 (513) 851-7800
Rhinevest 1123 Walnut Street 45202 (513) 301-2871
Chase 4805 Montgomery Rd 45212 (513) 351-3528
Chase 1535 1/2 Gilbert Ave 45202 (513) 595-6470
Chase Home Finance 7333 Beechmont Ave 45230 (513) 624-0384
JP Morgan Chase & Co 525 Vine St, # 900 45202 (513) 287-6800
Advance America 10589 Springfield Pike 45215 (513) 771-1114
Pls Check Cashing 5100 Glenway Ave 45238 (513) 244-2450
Cash America Pawn 7671 Colerain Ave, Ste A 45239 (513) 522-3900
Cash America Pawn 4875 Reading Rd 45237 (513) 641-3806
Lima One Capital 201 East 5th Street, 19th Floor 45202 (800) 390-4212
Advance America 5180-C Delhi Pike 45238 (513) 347-3800
Check Into Cash 8088 Beechmont Avenue 45255 (513) 474-0622
Cash America Pawn 10090 Springfield Pike 45215 (513) 771-3700
Cash America Pawn 2188 Queen City Ave 45214 (513) 661-9200
Check Express 1207 W Galbraith Rd 45231 (513) 931-2274
Check Express 7331 Montgomery Rd 45236 (513) 794-0777
Fifth Third Bank 429 Vine St 45202 (513) 579-5580
Pls Check Cashing 3513 Reading Rd 45229 (513) 559-0220
Pls Check Cashers 702 Reading Rd 45202 (513) 421-4200
PLS Financial Svc 702 Reading Rd 45202 (513) 421-4200
Checks Cashed 5812 Madison Rd, Ste 2 45227 (513) 561-1829
ALL Cash Express 1667 E Kemper Rd 45246 (513) 823-2968
Junk Into Cash 1901 Hopkins Ave 45212 (513) 505-4702
Check Exchange 629 Old State Route 74, # LL010 45244 (513) 688-0111
Buckeye Check Cashing Inc 5450 N Bend Rd 45247 (513) 481-3222
Check Exchange 6363 Glenway Ave 45211 (513) 598-5222
ALL Cash Express 4981 Vine St 45217 (513) 823-2967
Axcess Financial Corp 7755 Montgomery Rd, Ste 400 45236 (513) 336-7735
National Cash Advance 3119 Glenmore Ave, Ste 2 45211 (513) 347-9555
Checksmart 129 E Kemper Rd 45246 (513) 772-4520
ALL Cash Express 4026 Glenway Ave 45205 (513) 921-5333
Advance America 10325 Reading Rd., Ste. 102 45241 (513) 554-1199
Advance America 451-C Ohio Pike 45255 (513) 528-2100
Advance America 3119 Glenmore Ave., Ste. B 45211 (513) 389-1111
Cash America Pawn 7901 Reading Rd 45237 (513) 821-5088
Cash America Pawn 6926 Montgomery Rd 45236 (513) 891-0300
Aaa Checks Cashed 3119 W Galbraith Rd 45239 (513) 931-4566
Pls Check Cashing 799 E Mcmillan St 45206 (513) 281-4200
S & R Management Inc 1017 Hopkins St 45203 (513) 381-4176
ALL Cash Express 2516 Victory Pkwy 45206 (513) 570-5322
Nothing Into Real Something 5655 Bramble Ave 45227 (513) 389-0252
ALL Cash Express 4787 Red Bank Rd 45227 (513) 549-1931
Jackson Hewitt Tax Service 4766 Red Bank Rd 45227 (513) 272-1401
Checksmart 8398 Reading Rd, Ste 200 45237 (513) 761-6003
Check N Go 6212A Glenway Avenue 45211 (513) 808-9629
Check N Go 9178B Winton Road 45231 (513) 277-0172
Check N Go 775 Eastgate South Drive 45245 (513) 909-7907
Check N Go 5365 Ridge Avenue 45213 (513) 909-7890
Check N Go 9405 Colerain Avenue 45251 (513) 818-4028
Aig Public & Healthcare FNNC 312 Walnut St, # 11 45202 (513) 762-5540
Edwards Capital Corporation 441 Vine St, Ste 1802 45202 (513) 579-1802
Kroger Personal Finance 555 Race St 45202 (513) 287-6030
Blue Chip Venture Co 35 E 7th St 45202 (513) 723-2305
Cincinnati Development Fund 1224 Race St 45202 (513) 721-7211
Cashmax Ohio 5363 Ridge Ave 45213 (513) 351-1165
Cashmax Ohio 470 Ohio Pike 45255 (513) 528-0143
First Franklin 4750 Ashwood Dr, Ste 300 45241 (513) 469-8000
Academy Mortgage Corp 11590 Century Blvd, Ste 112 45246 (513) 791-2100
Cashmax Ohio 9385 Colerain Ave 45251 (513) 245-0632
OneMain Financial 4440 Glen Este Withamsville Rd 45245 (513) 753-8470
OneMain Financial 11336 Princeton Pike 45246 (513) 771-0336
Onemain Financial 6175 Glenway Ave, Ste C 45211 (513) 661-9939
Onemain Financial 1198 Smiley Ave, Ste I 45240 (513) 825-0080
Cashmax Ohio 11580 Chester Rd 45246 (513) 334-1374
Eagle Loan 4450 Eastgate Blvd, Ste 235 45245 (513) 528-1888
OneMain Financial 8433 Colerain Ave 45239 (513) 923-3000
Toyota & Lexus Financial Service 300 E Business Way, Ste 350 45241 (513) 984-7100
Eagle Loan 1169 Smiley Ave 45240 (513) 874-5008
Commercial Funding & Realty 8044 Montgomery Rd, Ste 700 45236 (513) 792-2717
Roselawn Finance Station 1730 Section Rd 45222 (513) 631-4583
Mariner Finance 8220 Northcreek Dr 45236 (513) 510-5676
Onemain Financial 415 Glensprings Dr 45246 (513) 851-5800
Ohio Tax Service Inc 7162 Reading Rd, Ste 105 45237 (513) 731-6323
Win-Win Housing Solutions 7672 Montgomery Rd 45236 (513) 339-0333
Wells Fargo Equipment Finance 8044 Montgomery Rd, Ste 700 45236 (513) 792-4060
PFSC Inc 2813 Gilbert Ave 45206 (513) 221-5080
Wells Fargo Financial 11808 Springfield Pike 45246 (513) 671-1300
Mariner Finance FNNC 9128 Union Cemetery Rd 45249 (513) 630-1353
722 Redemption Funding 169 Northland Blvd, Ste 2 45246 (513) 721-2800
OneMain Financial 10202 Colerain Ave 45251 (513) 741-9990
Emery Federal Credit Union 5400 Vine St 45217 (513) 641-2463
Zipcash 6142 Colerain Ave 45239 (513) 741-8444
Huntington National Bank 7030 Hamilton Ave 45231 (513) 931-7635
Park National Bank: Anderson Office 1075 Nimitzview Dr 45230 (513) 232-9599
Huntington Bank 12122 Lebanon Rd, Ste 42 45241 (513) 769-4224
Huntington Bank 199 Northland Blvd 45246 (513) 771-6225
Huntington Bank 3002 Harrison Ave 45211 (513) 661-5735
Huntington Bank 7783 5 Mile Rd, Ste 2 45230 (513) 232-7373
Us Bank 6940 Madisonville Rd 45227 (513) 272-5309
Us Bank 2739 Madison Rd 45209 (513) 533-7411
Huntington National Bank 734 Ohio Pike 45245 (513) 752-4342
Huntington National Bank 9643 Montgomery Rd 45242 (513) 792-2650
Us Bank 3995 Cottingham Dr 45241 (513) 956-5900
Cincinnatus Savings & Loan Co 3664 Springdale Rd 45251 (513) 385-7424
Cintel Federal Credit Union 4600 Montgomery Rd, Ste 102 45212 (513) 421-1516
Huntington Bank 2692 Madison Rd, Ste H4 45208 (513) 841-2800
Huntington National Bank 4130 E Galbraith Rd 45236 (513) 891-3275
ALL Cash Express 7990 Reading Rd 45237 (513) 817-3544


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