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Best Payday Lenders in Cincinnati, OH

Aug. 26, 2019, 5:03 p.m.

If you need extra cash and can’t wait until the next check, one option is a payday loan. With this type of short-term, high-interest loan, you can qualify for up to $1,000 and get money the same day. To help you understand how these loans work and where to find reputable lenders, our partners at ConsumerAffairs researched the best payday loans in Cincinnati.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. WCPO may receive compensation from our partners. Learn more.

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#1
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Speedy Cash

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Speedy Cash
Speedy Cash
Features
  • No prepayment penalties
  • Direct deposit into your account
  • Loans from $50 to $26,000
  • Available in Cincinnati
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#2
CashNetUSA
CashNetUSA
Features
  • Apply online 24/7
  • Loans up to $500
  • No prepayment fees
  • Available in Cincinnati
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#3
Advance America
Advance America
Features
  • Easy online application
  • 2-4 week loans
  • Fast approvals
  • Same-day deposit to bank account
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Location
5180-C Delhi Pike
Cincinnati, OH 45238
(513) 347-3800
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#4
Check 'n Go
Check 'n Go
Features
  • Quick decision process
  • Apply in minutes
  • Multiple locations in Cincinnati
  • Funds as soon as next business day
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Location
6212A Glenway Ave.
Cincinnati, OH 45211
(513) 662-0200
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Check$mart
Check$mart
Features
  • M-F: 8am - 7pm
  • Sat: 8am - 4pm
  • Closed Sun
  • ccfi.com/checksmart
Location
658 Main St.
Cincinnati, OH 45202
(513) 929-4155
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First American Loans
First American Loans
Features
  • M-Th: 10am - 6pm
  • F: 9am - 7pm
  • Sat: 9am - 1pm
  • Closed Sun
  • purposefinancialservices.com
Location
8593 Winton Rd.
Cincinnati, OH 45231
(513) 931-4888
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ACE Cash Express
ACE Cash Express
Features
  • M-Th: 9am - 7pm
  • F: 9am - 8pm
  • Sat: 9am - 5pm
  • Closed Sun
  • acecashexpress.com
Location
4981 Vine St.
Cincinnati, OH 45217
(513) 641-0756
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National Cash Advance
National Cash Advance
Features
  • M-Th: 10am - 6pm
  • F: 9am - 7pm
  • Sat: 9am - 2pm
  • Closed Sun
  • nationalcashadvance.com
Location
8320 Colerain Ave.
Cincinnati, OH 45239
(513) 923-2247
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Cashland
Cashland
Features
  • M-F: 9am - 6pm
  • Sat: 9am - 3pm
  • Closed Sun
  • cashamerica.com/Cashland.aspx
Location
4081 E Galbraith Rd., Ste. 2
Cincinnati, OH 45236
(513) 891-8329
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Check Into Cash
Check Into Cash
Features
  • M-F: 10am - 6pm
  • Sat: 10am - 3pm
  • Closed Sun
  • checkintocash.com
Location
8088 Beechmont Ave.
Cincinnati, OH 45255
(513) 474-0622
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How to get a payday loan in Cincinnati

Cincinnati skyline

Payday loans are ideal for those who need extra cash to cover bills or an unexpected expense between pay periods. This type of borrowing comes with high interest rates, so it’s best to first consider payday loan alternatives like loans from family members or extensions from creditors.

Those who choose to take out payday loans in Cincinnati generally find them to be fast and convenient. Most payday companies don’t mind lending to residents with bad credit. Approvals are almost instant, and most lenders offer same-day cash or electronic transfer of funds within 24 business hours.

Before applying, be sure you understand laws regarding payday loans in Cincinnati, which were overhauled in late 2018 to the benefit of the consumer. Here are some key changes:

  • The maximum loan amount is $1,000.
  • The maximum loan term is 12 months.
  • Fees and interest can’t exceed 60% of the principal.
  • Monthly fees can’t exceed $30 or 10% of the principal, whichever is less.
  • Loans under 90 days are illegal unless the monthly payment does not exceed 7% of borrower’s net monthly income or 6% of gross monthly income.
  • Borrowers can take out a maximum of $2,500 across loans.

Payday loan requirements are straightforward. To qualify, you must have a valid ID, an active checking account and proof of income. You may also be asked for a Social Security number. Some lenders require you to visit one of their locations to complete the loan, while others provide online loans with electronic transfers.

When taking out a payday loan in Cincinnati, only borrow what you can afford to pay back. In the event you are unable to pay back the loan, the lender may take legal action, but remember: Payday loan companies can’t harass you, and you can’t go to jail for defaulting.

Speedy Cash

Speedy Cash VISIT WEBSITE

Speedy Cash makes it easy to sign up for installment loans, which allow Cincinnati residents to borrow up to $1,500 and repay over a longer term. Complete the application online and get an instant lending decision, then get funds deposited directly to your checking account by the next business day. Reviewers say every part of the Speedy Cash transaction is fast, calling the experience hassle-free and recommending it to others.

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CashNetUSA

CashNetUSA VISIT WEBSITE

CashNetUSA has helped over 3 million customers handle financial emergencies with its online lending platform. Cincinnati residents can fill out a quick application for up to $850, get an instant decision and even qualify for same-business-day funding. An in-house customer service team is available seven days a week. CashNetUSA gets positive reviews for clearly explaining terms and conditions and issuing quick approvals.

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Advance America

Advance America

Advance America is a national company that has funded millions of payday loans in over 20 years of business. Cincinnatians can apply online and be eligible for same-day funding or visit one of the several area locations and receive money in person. Customers speak highly of Advance America’s friendly and fast service in Cincinnati.

Check 'n Go

Check 'n Go

Check ‘n Go is a national company with headquarters in Cincinnati. Customers can apply in minutes for a payday loan online and receive funds as soon as the next business day. If you’re more comfortable applying in person, it’s easy to visit one of the Cincinnati-area stores, where you can get money on the spot. Reviewers say Check ‘n Go staff are polite and good at explaining the lending process.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.