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Current Payday Lenders in Ohio – Terms, Rates, Legislation

The list of payday lenders in Ohio


    • Website:
    • Address: San Francisco, USA, Bradford Street 19
    • Service: Online
    • States: Ohio
  2. Dime Alley

    • Website:
    • Address: 7072 Cedarwood Dr., Los Angeles, CA 90006, United States
    • Service: Online
    • States: Alabama, California, Colorado, Florida, Kentucky, Illinois, Indiana, Iowa, Louisiana, Maryland, Nevada, Ohio, Tennessee, Texas
  3. Pheabs

    • Website:
    • Address: Pheabs, 515 E Las Olas Boulevard, Suite 120, Fort Lauderdale, FL 33301
    • Service: Online
    • States: Alabama, California, Colorado, Florida, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Ohio, Tennessee, Texas
  4. Speedy Cash

    • Website:
    • Address: P.O. Box #780408 Wichita, KS 67278
    • Service: Online/Offline
    • State: Alabama, Alaska, Arizona, California, Colorado, Delaware, Hawaii, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
  5. ACE Cash Express

    • Website:
    • Address: 300 E. John Carpenter Fwy, Ste. 900, Irving, Texas, 75062
    • Service: Online/Offline
    • State: California, Delaware, Florida, Idaho, Kansas, Louisiana, Minnesota, Missouri, New Mexico, Ohio, Oregon, South Carolina, Texas, Tennessee
  6. RISE Credit

    • Website:
    • Address: P.O. Box 679900 Dallas, TX 75267-9900
    • Service: Online
    • State: Alabama, California, Delaware, Georgia, Idaho, Illinois, Missouri, New Mexico, North Dakota, Ohio, South Carolina, South Dakota, Texas, Utah, Wisconsin
  7. CashinaMoment

    • Website:
    • Address: 113 Skyler Ln, Phoenix, OR 97535
    • Service: Online
    • State: Almost all US states
  8. FaaastCash

    • Website:
    • Address: 515 South Riverside Avenue Medford, Oregon 97501
    • Service: Online
    • State: Alabama, California, Colorado, Illinois, Kansas, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Oregon, Tennessee, Texas
  9. GreenDayOnline

    • Website:
    • Address: 15727 Anthem Pky San Antonio, Suite No#45 ,TX 78249
    • Service: Online
    • States: Almost all US states
  10. Check `n Go

    • Website:
    • Address: P.O. Box 36124, Cincinnati, OH 45236
    • Service: Online
    • States: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Maine, Michigan, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Wisconsin, Wyoming
  11. MoneyLion

    • Website:
    • Address: 30 West 21st Street Ninth Floor New York, NY 10010 USA
    • Service: Online
    • State: Almost all US states
  12. Advance America

    • Website:
    • Address: 135 N Church St Spartanburg, SC
    • Service: Online
    • States: Alabama, California, Colorado, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
  13. 1F Cash Advance

    • Website:
    • Address: 1942 Broadway St., STE 314C, Boulder, CO 80302
    • Service: Online/Offline
    • States: California, Colorado, Florida, Illinois, Kansas, Kentucky, Michigan, Missouri, New Jersey, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Wisconsin, Washington

Are payday loans legal in Ohio?

As stated by Ohio law, payday loans are legal in this location. The most expensive states to take out a payday loan is considered Ohio. Until October 2018, payday loans were excessively expensive with APR reaching up to 677%. Then the described state altered its regulations for payday loans. Ohio has set limit up to a $1,000 payday loan. Payday loans can be taken out for the term from 91 to 1 year. The newly stated maximum interest rate is equal to 28%.


  • Maximum loan amount: $1,000
  • Interest rate (APR): 28%
  • Minimum term: 91 days
  • Maximum term: One year
  • Number of rollovers allowed: None
  • Number of outstanding loans allowed per lender: One
  • Cooling-off period: N/A
  • Finance charges: The lesser of 10% of the amount financed or $30
  • Collection fees: $20 limit
  • Criminal action: Prohibited

Am I eligible for a payday loan in Ohio?

Before you apply for a payday loan, get acquainted with the terms you need to meet. Online direct lenders are not approving 100% for every borrower. There are several main terms to get the approval:

  • be a U.S. resident;
  • be at least 18 years of age;
  • have a consistent income with paycheck at a minimum of $800 per month;
  • have a checking account that your Ohio payday loan can be transferred to.

Payday loan amounts in Ohio

The Ohio laws concerning payday lending limit short-term loans to $1,000. In fact, most payday lending services in Ohio offer short-term loans between $100 and $1,000, usually in accruements of $10.

Additionally to the $1,000 limit, people with the desire to take out a payday loan may only have $2,500 in total, even if the balances are issued through multiple lenders. Payday lenders must meaningfully search to confirm that applicants do not have too much debt elsewhere before issuing a quick small loan.

Maximum term for a payday loan in Ohio

The accepted laws in OH set bounds to terms to 91 days in most circumstances. But there is an exception: if the amount of the loan is less than 6% of the borrower’s gross income or 7% of their net income, the loan may be for less than 91 days.

Rates, fees and other charges in Ohio

The interest limit of 28% APR isn’t the only regulation that Ohio payday lenders have to follow when it is about their charges. Lenders also have to monitor the following regulations:

  • the total loan cost + interest and fees included must not be over 60% of the loan body;
  • monthly maintenance fees must not be up 10% of the loan body or $30. This fee must be $0 if the borrower is on the military service;
  • if a lender sends the loan via check, the charge to cash it out must not be over $10;
  • for loans with the amount of $500 or more, an origination fee must not be over 2% of the balance;
  • collection fee per loan must not be over $20;
  • these extra fees are not a part of the 28% interest rate limit.

What is the statute of limitations on a payday loan in Ohio?

Payday loans become legal according to Ohio Rev. Code Ann. 1321.35 et seq. All lenders willing to serve Ohio residents are required to get a short-term loan law license.

Online lenders can also get Ohio Short-Term Loan Law license and extend their loans in the state. Now, the Short-Term Loan Act requirements are essential for all lenders, independent on the origination channel (inclusively of online lenders).

Consumer info

The facility answerable for forcing Ohio payday loan laws is the state’s Department of Commerce, Division of Financial Institutions (DFI). They control Ohio’s non-depository consumer lenders. It is related consumer finance businesses. This department is also responsible for discovering any complaints that consumers make.