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Get Quick and Easy Access to Local & Same Day Payday Loans in Xenia, OH

Payday loans in Xenia OH

Fast Payday Loan Lenders near Xenia, 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 Xenia, OH.

Quick Online Payday Loans in Xenia, OH, USA Faxless


How to Apply for a Payday Loan Online in Xenia, OH?

Apply for an AdvanceSOS payday loan within 3 minutes online. Get instant approval for the top loan offer within hours and fund your cash needs within 24 hours or less today!

Step 1 – Make an Application

Let us know how much you need, how long you want to borrow it, a few basic personal details, where we can deposit your funds, and how we can reach you (phone number and email).

Step 2 – Decision & Approval

Within a few hours, receive your top loan offer. This is already pre-approved, ready for your approval. After exploring its terms, you can go on and e-sign your loan contract to cash it out.t.

Step 3 – Receive Money Within 24 Hours

Be ready to receive your loan funding in your bank account within 24 hours or less. Access your funds anytime, anywhere, using any ATM near you right away.

Payday Loans Companies in Xenia, OH

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

Company Address ZIP code Phone Number Rating Reviews
Advance America 1880 S Maple Ave 45324 (937) 787-0791 4.9 179
Mariner Finance 1273 N Fairfield Rd 45432 (937) 732-4400 4.9 75
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
CheckSmart 4212 Linden Ave 45432 (937) 725-7800 2.5 31
Loan Star Pawn Shop 69 E Main St 45385 (937) 737-3344 3.5 26
Mariner Finance 1005 N Bechtle Ave 45504 (937) 732-9180 4.1 21
Cashland 83 W Dayton-Yellow Springs Rd 45324 (937) 787-2268 3.5 19
CheckSmart 2000 S Limestone St 45505 (937) 732-9111 3.8 16
CheckSmart 2600 E Main St 45503 (937) 732-4000 3.2 15
Fifth Third Bank & ATM 100 W Main St 45385 (937) 737-7641 3.6 14
CheckSmart 2930 W Alex Bell Rd 45459 (937) 742-7530 2.7 12
CheckSmart 397 W Main St 45385 (937) 737-8018 3.8 10
CheckSmart 4064 Wilmington Pike 45440 (937) 729-0500 2.7 9
Quick Cash Loans 2758 Wilmington Pike 45419 (937) 764-1013 5 8
Urban Payday Loans 262 E Stroop Rd #432 45429 (937) 723-8016 5 4
CheckSmart 2129 Needmore Rd 45414 (937) 756-1450 3 3
Kroger Money Services 1700 W Park Square 45385 (937) 737-7962 0 0
First American Cash Advance 1637 E US Hwy 36 Suite 4 43078 (937) 765-8387 0 0
Urban Payday Loans 110 W 2nd St #544 45402 (937) 728-8114 0 0

– companies ratings and reviews are based on their Google Business Profile. Updated October, 2023
– do you want to add, delete or modify your company details? Contact us –

Use Google Maps to Find Loan Places Near Your Locaiton

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

Benefits of Payday Loans in Xenia, OH

What are the pros of taking out payday loans in Xenia, OH?

  1. Borrowers don’t need to have a good credit history to get them – The credit history of the borrower doesn’t matter. What matters the most is the ability to repay the loan.
  2. The use of the money is not restricted to any particular purpose – A borrower doesn’t have to elaborate on how they will use the cash. They can use it for whatever purpose they please.
  3. Access to instant cash – When in an emergency, borrowers need a lender to give them the money as quickly as possible. Most bank loans may take a little longer before the lender disburses the cash. Therefore, payday loans are the ideal option for emergencies.
  4. The application process is quick and straightforward – Applying for payday loans can take less than 5 minutes.
  5. Loan approval is quick – If you have all the documentation required, the lender can deposit the money into your account within minutes. And, if that doesn’t happen, you can be sure that the approval will not take any longer than one business day.
  6. Fewer requirements compared to other loans – Compared to other loans, payday loan requirements are fewer.

How to Get Payday Loans in Xenia, OH

If you want payday loans in Xenia, OH, you can apply for them online or physically. The online option is quick and convenient, and AdvanceSOS has even made the process more swift and secure. We have a collection of legitimate loan companies in Ohio, that can offer small dollar loans:

For those that prefer to visit a local lender, the application process is the same. However, you must arrive at their office during working hours to get the loan.

Requirements for Payday Loans in Xenia, OH

When applying for payday loans in Xenia, OH, you must fulfill the following requirements:

  • Must be 18 years or older
  • Verify your identity with an ID or a driver’s license
  • Proof of the ability to repay the loan with pay stubs or another similar document
  • Be a resident of Xenia, OH
  • Have a checking bank account
  • Have a valid email address and phone number
  • Some lenders ask for the social security number

APR and Fees

Payday loans have some downsides, though. The main one is the high cost of borrowing. Due to their high risk of default, lenders charge high interest rates.

Luckily, in most states where payday lending is legal, the cost of borrowing is also regulated. According to Ohio laws, the APR is 28%, and the finance charge is 28%, too. The borrower is also charged other fees like maintenance fees and loan origination fees.

How We Can Help

AdvanceSOS offers borrowers protection against unscrupulous lenders. Our platform has created a database of licensed and legitimate payday lenders. Therefore, if you apply for a loan through our platform, you can rest assured that the lender you connect with is reputable and well-vetted.

To get started, just click on the button, provide the financial and personal details required, and hit submit. The lender will get in touch and provide a loan agreement for you to sign. Be sure to read over all details, and if everything sounds good, go ahead and sign.

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