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Payday loans in Dayton OH

Fast Payday Loan Lenders near Dayton, Ohio

Borrow money for your urgent cash needs in Ohio by visiting a lender’s office; or applying for an urgent loan online. But, if you need money fast from the best lender in your state, apply online. Check out the best features of applying for loans online here at AdvanceSOS. We also have for you a list of direct lenders near you in Dayton, OH.

Quick Online Payday Loans in Dayton, OH, USA Faxless

Payday Loans Companies in Dayton, OH

Addresses, phone numbers, and reviews of lenders stores working nearby you:

Company Address ZIP code Phone Number Ranting Reviews
Eagle Loan 500 W National Rd 45315 (937) 783-1400 4.9 347
Eagle Loan 5808 Wilmington Pike 45459 (937) 761-1787 4.9 267
Advance America 5143 Salem Ave 45426 (937) 783-4544 4.9 179
Advance America 4644 Brandt Pike 45424 (937) 723-8414 5 128
Advance America 5143 Salem Ave 45426 (937) 783-4544 4.9 76
ACE Cash Express 3516 W Siebenthaler Ave 45406 (937) 727-4912 3.9 47
Advance America 2758 Wilmington Pike 45419 (937) 764-1013 4.8 37
Mike Romano – Thrive Mortgage 14 W First St 45402 (937) 740-0025 4.7 32
NCP Finance 205 Sugar Camp Cir 45409 (844) 450-8270 1.8 31
CheckSmart 4212 Linden Ave 45432 (937) 725-7800 2.5 31
Cashland 6375 Chambersburg Rd 45424 (937) 723-4397 2.6 27
Cashland 2933 Linden Ave 45410 (937) 725-0434 4 25
Ohio Loan Co Inc 3028 Salem Ave 45406 (937) 727-5991 2.9 23
Cashland 83 W Dayton-Yellow Springs Rd 45324 (937) 787-2268 3.5 19
OneMain Financial 127 N Springboro Pike 45449 (937) 743-2927 4.2 19
Cashland 322 E National Rd 45377 (937) 745-9190 3.8 17
OneMain Financial 7717 Old Troy Pike 45424 (937) 723-0101 4 16
Cashland 2320-22 E Dorothy Ln 45420 (937) 739-0103 3.4 16
CheckSmart 2930 W Alex Bell Rd 45459 (937) 742-7530 2.7 12
Montana Capital Car Title Loans 3349 Needmore Rd 45414 (937) 770-6229 4.9 12
CheckSmart 5521 Salem Ave 45426 (937) 785-3392 3.4 11
Montana Capital Car Title Loans 5097 N Springboro Pike 45439 (937) 770-6360 5 10
CheckSmart 4064 Wilmington Pike 45440 (937) 729-0500 2.7 9
Lendmark Financial Services LLC 2628 Colonel Glenn Hwy Suite B 45324 (937) 742-8801 2.5 8
Quick Cash Loans 2758 Wilmington Pike 45419 (937) 764-1013 5 8
Online Bad Credit Loans 43 Park Ave 45419 (937) 785-1991 3.9 7
CheckSmart 7687 Old Troy Pike 45424 (937) 723-4988 4.6 5
Urban Payday Loans 262 E Stroop Rd #432 45429 (937) 723-8016 5 4
CheckSmart 2129 Needmore Rd 45414 (937) 756-1450 3 3
Quick Cash Loans 3181 W Siebenthaler Ave 45406 (937) 797-4691 5 3
Dayton Business Loans 1042 W 2nd St 45402 (740) 024-5598 5 1
Direct Loans 6202 Brandt Pike #14R 45424 (855) 528-0235   0
Urban Payday Loans 110 W 2nd St #544 45402 (937) 728-8114   0
Employee Loans 205 Sugar Camp Cir 45409 (844) 450-8270   0

– companies ratings and reviews are based on their Google Business Profile. Updated November, 2022
– do you want to add, delete or modify your company details? Contact us – info@advancesos.com

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Do you want to learn more? Check the video about payday loans in Ohio by Nick Wilson experienced loan officer.

Are Payday Loans Legal in Dayton, Ohio?

Due to the predatory nature of some payday lenders, a good number of States have taken to banning the operation of payday loan offices in any city within the state. Regardless of this, payday loans in Dayton, OH, are fully backed by the law, so you do not run the risk of getting into any form of trouble by applying for payday loans in Dayton, Ohio.

What Do I Consider Before Applying for a Payday Loan in Dayton, Ohio?

Before you apply for a payday loan in Dayton, Ohio, you must put some things into consideration. This ensures that you are making the right decision.

You must be sure your income is enough to cover your payday loan before applying for a payday loan in Dayton, Ohio. Since most payday loans give a maximum amount of $1000, your income needs to be at least $1000 so that you do not acquire more debt while trying to clear your debt from a payday loan.

Also, like all other loans, payday loans should be taken only when necessary. If you do not have a financial need that can be considered urgent, then it is not advisable to apply for a payday loan.

Is a Bad Credit Score an Issue While Applying for Payday Loans in Dayton, Ohio?

Payday loans are not like most loans that will ask you for your credit score. They are classified as bad credit loans and are usually the typical choice for people with bad credit scores. To compensate for the irrelevance of a bad credit score, the interest rate for most payday loans is very high.

However, due to the laws regulating payday loans in Dayton, OH, the interest rate of payday loans in this city is low when compared to some others in the United States.

Are There Faxless Payday Loans in Dayton, Ohio?

With the technological advances in the world today, fax machines are fast becoming obsolete. This means that it is becoming more challenging to access a fax machine, and most people these days do not even know how to use a fax machine. Before you apply for a payday loan, you need to determine if the lender requires that you fax any information. If the lender does, you might want to consider taking your application elsewhere because payday loans in Dayton, Ohio, can be faxless.

There are much faster and more accessible alternatives to faxing. You can scan a required document and send it to a payday lender rather than fax the document. Also, most, if not all, documents can be sent by email. This makes fax machines completely unnecessary for payday loan applications these days. It is advisable to use a fax machine if you are trying to get a quick loan as they can hinder your speed.

Can Military Personnel Apply for a Payday Loan in Dayton, Ohio?

Neither military personnel nor their immediate family can apply for a payday loan in Dayton, Ohio. This is in accordance with the Militias Lending Act, which prohibits military personnel from taking payday loans, vehicle title loans, and tax refund loans.

Do Payday Loans in Dayton, Ohio, Have a Cap Rate?

In accordance with the laws regulating payday loans in Dayton, Ohio, the cap rate for interest on payday loans is 28% per annum. When applying for a payday loan in Dayton, Ohio, read through the terms and conditions very carefully to ensure that the interest rate is not above 28% per annum.

How Long Will It Take to Get a Payday Loan in Dayton, Ohio?

To get a payday loan in Dayton, Ohio, a lender needs to approve your application first. After the approval of your application, it typically takes ten minutes to twenty-four hours for your loan to be paid into your checking account. Payday loans in Dayton, Ohio, are pretty fast and ideal for an emergency because you don’t have to spend much time waiting to receive your loan. This puts payday loans ahead of other forms of loans, which can sometimes take months to reach your checking account.

Requirements for Payday Loan Applications in Dayton, Ohio.

Applying for a payday loan in Dayton, Ohio, has some requirements which you must meet. If you don’t, it will lower your chances of receiving a loan. What are some of these requirements, you may be wondering? Here’s a list of the most common ones:

  • You must be at least 18 years old. Applicants below this age will not receive a loan.
  • You must have an active checking account.
  • You must offer a government-issued ID or a social security number.
  • You must have a phone number and a verifiable email address for confirmation of your payday loan application.
  • You must earn at least $1000 monthly to guarantee that you can repay your debt from your income.
  • You must sign a declaration form stating that you do not have more than $2500 in short-term loans.

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