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Fast online application

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High chance of approval

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Competitive rates

How it Works?

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Apply online for a personal loan

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Receive an immediate decision on your loan status

Get cash direct to your bank account

Get cash transferred to your bank account same day

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Repay your loan in installments and save funds when you repay early

No application fees, No tiresome paperwork, Transparent process and rates.

Payday Loans Ohio Online with Fast Approval 24/7

Everyone may have financial difficulties from time to time! And they arise at the most unexpected and inappropriate moment: your car broke down and you need to repair it right now, or you need to buy a gift for your wife’s birthday, or it’s time to pay a debt to your neighbor, or the sale at the furniture store ends in 3 hours, etc.

Our company helps consumers solve their financial problems easily, simply, and quickly. We help to find the best loans on the market and connect you to trusted and reputable lenders (such as Cash Depot) who will satisfy your needs both in terms of loan rates and amount.

Private money lenders from our network offer the lowest interest rates for cash advance on the market. Regular customers may also enjoy generous discounts and special offers. The whole process is purely online and you do not even need to go anywhere to apply for online payday loans Ohio.

Payday loans in Ohio – how do they work?

In Ohio, online payday loans are a very popular financial product. You can apply using our lender-matching service. You just need to complete the application form and submit it. Then, we process your request and refer you to the best lender for your needs. We cooperate with a wide range of lenders from our network of licensed lenders. You’ll learn the lender’s verdict immediately. Don’t worry; it takes 5-10 minutes to get accepted.

If the lender makes a positive decision, you will need to e-sign the agreement. Before that, be sure to study all the terms and conditions. Finally, the lender will transfer the money to your personal bank account in the shortest possible time. Once you receive your next paycheck, the due amount will be withdrawn from your bank account. You don’t have to leave your home to repay the debt. The entire process is online and 100% safe for all consumers.

We work only with credible lenders that issue affordable and legit loans. There are no hidden fees.

What are the costs and fees for a payday loan in Ohio?

The maximum loan amount in Ohio is $1,000. The approved amount will depend on several factors, such as your state regulations, lender’s policy, your income, your credit score, etc.

The maximum loan term is 32 days. The average APR for a 14-day $100 loan is 459%. There are no rollovers allowed.

Usually, the decision on your loan status is made by a lender instantly. If approved, you will receive the requested funds the same day or the next day.

Keep in mind that amounts, rates and fees vary from state to state. Each state has its own legal regulations. For example, the same personal loans may have some significant differences in Wisconsin and Ohio.

Who is eligible for payday loans online in Ohio?

Eligibility criteria vary by state and lender. Usually, you will be approved if you comply with the following requirements:

In most cases, you do not need to have perfect credit and you may be even approved if you have fair credit or no credit at all.

Common reasons why people may need payday loans

Payday loans were invented to help people who have to deal with temporary money issues. Usually, consumers need fast cash for the following needs: a large purchase, wedding, home improvement, car repair, debt consolidation, medical treatment, vacation and college expenses. There may be other reasons why you need a fast online loan.

Short-term loans are issued as quickly as possible, participating lenders are able to approve your application in 2-5 minutes, and you can expect to have the money in your bank account instantly or within a few hours.

How to apply for a payday loan in Ohio

The online application in OH is as fast and simple as possible. Below are four steps to follow to get approved for a loan:

  1. Choose the loan amount and term you need;
  2. Fill out an online application form;
  3. Get matched with the most suitable lender;
  4. Wait for approval and funding.

Make sure you are completely satisfied with the loan rates and terms before signing a loan agreement. As the entire process is effortless and straightforward, you won’t have to waste time standing in a queue, collecting documents and faxing. In addition, our online loan referral service is available around the clock, which is especially convenient for people who need fast cash on days off, holidays or at night.

Do I need to have a good credit score?

It is impossible to get a bank loan if you have a bad credit history since banks do not issue loans to those who have overdue payments or outstanding loans.

But you are still able to get a short-term payday loan from a microfinance institution. Typically, payday lenders in Ohio do not check the borrower’s credit score. They do not ask for additional documents but give the client a chance to correct their credit score and improve it. Indeed, payday loans are also known as credit builder loans – a type of loan that aids in the development of credit. In order to get approved, it is necessary to provide correct and accurate information in the application.

It does not matter for what purposes the funds may be needed. By using our referral service, each client will definitely receive the money quickly and easily. A payday loan is a great option to solve your financial problems.

List of Ohio cities available for online payday loans

Huber Heights
Maple Heights
North Olmsted
Parma Heights
Washington Court House

This is a short list of OH cities where you can get a payday loan for whatever needs.

Benefits of payday loans in Ohio

Thousands of consumers have already used our referral service and appreciated its benefits:

  1. Fast online application. You can fill out an application via the Internet without leaving your home;
  2. Small loan amounts – $1;00-$1,000;
  3. Short loan duration – up to 30 days;
  4. No collateral needed;
  5. Affordable interest rates;
  6. Money for whatever purpose;
  7. Relaxed borrower eligibility requirements;
  8. No hard credit checks;
  9. Convenient repayment options;
  10. Regular discounts and promotions;
  11. A great chance to improve your credit history.

In many cases, an online loan is a great way to get fas cash in a short time and without paperwork.

Clients’ testimonials

I am very satisfied and happy with Very easy to apply and prompt responding. I have $800 in my account in less than 1 hour. The rates are reasonable compared to other lenders in emergency circumstances. I will highly recommend this service for anybody who needs a small-dollar loan in Ohio. This is a good solution.

William Oconner

Absolutely fantastic service! applied within 10 minutes and got accepted right away. Very easy-to-use website and was asked to provide only basic personal details. Money was in my bank account after a couple of hours. Happy to have dealt with this company.

Vera Blevins

Needed $500 as had an unexpected bill from my healthcare provider. Easy to use and didn’t think I would be approved but I did. I had the money in my bank account within 1 hour. So happy would definitely recommend!

Ray Kees

I love this informative site, it is easy to apply, and the interest is reasonable. Very quick to repay the money too!

Callie Macmilla

Really useful and friendly. Received the money within a very short amount of time, it was a great experience.

Lisa Astorga

Very simple and fast way to obtain up to $1,000 when needed. Would definitely recommend. You just need a few basic documents.

Charles Stroud

The referral service was easy to use and free of charge! I had a decision within 5 minutes. Would use the service again.

Robert Gilchrist

Easy to use. Had money in 30 minutes what more can you ask for well done.

Rebecca Ware

Very professional service, quick decision. Had funds in my account within 1 hour. Highly recommended for people with bad credit only if you can afford to make payments on time.

Bryce Johnson


Here’s why customers love our online payday loans

  • Fast and easy online application;
  • Immediate decision and fast funding;
  • Most applications are approved;
  • Multiply repayment options;
  • The ability to manage the loan through your account;
  • The possibility of loan extension;
  • Money for any purpose;
  • No proof of income;
  • No collateral;
  • Bad credit is ok;
  • Borrower’s personal information is protected;
  • The possibility to improve your credit history.

Payday loans FAQs

What is a payday loan?

A payday loan is an short-term and small amount loan (usually $100 to $1000) which is usually repaid on the borrower’s next payday. These loans are designed for borrowers who have fair or bad credit scores and this type of lending should be considered as an option of last resort because it usually comes with high interest rates.

How to get a payday loan?

To get a payday loan, you need to fill out a short online application on our website. We will analyze your data and connect you to the most suitable lender for your case. Each payday lender will have its own rates and terms and procedures for applying for a loan.

Can I get a payday loan with bad credit or no credit?

Typically, payday lenders from our network do not check your credit score when deciding whether or not give you a payday loan, so you can have bad or no credit history and still get approved. However, your maximum loan amount may be limited if you have very bad credit.

Can I get an extension on my loan?

Yes, in many cases lenders offer such an option. If you want to extend you loan, you should contact your lender directly as quickly as possible – right away as you realize you cannot pay off the loan on the due date. Lenders from our network are understanding and they deal with each customer on an individual basis and try to solve any issues quickly.

Will the lender contact my employer?

It is unusual for us or lenders from our network to contact your employer. However, in rare cases we can resort to this option to verify your employment or income. Also, if you fail to pay off your small personal loan, and we cannot reach you using your provided contact information, we may have to contact your employer.

Is payday lending legal in Ohio?

Yes! All payday lenders in Ohio are regulated by the Department of Financial Protection and Innovation (DFPI).

Are lenders from our network direct only?

Of course. We cooperate only with the best direct lenders that comply with the Ohio lending laws. We never partner with fraudsters or unreliable lenders that charge hidden fees.

How are payday loans repaid?

They are usually repaid in one single lump sum within 30 days – as soon as you get your next paycheck or close to this date.

Do you guarantee 100% approval?

We cannot guarantee that you will be accepted for a loan, but you can increase your chances of getting approved by using our online matching service. 95% of applications submitted through our site are approved.

Will I get the loan the same day?

In Ohio, you might get a payday loan on the same day if apply before 12AM. In this case, you will receive the funds by the end of the same day.

What happens if I do not repay my loan?

If you default on your loan, you may be charged sky-high interest rates and fees. Besides, the lender may contact a collection agency, which will hurt your credit history.

Is a payday loan secured?

No. Payday loans are unsecured, which means the lender does not require you to give any collateral.

What other states are payday loans legal?

Other payday loan states include Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, North Dakota, Oklahoma, Rhode Island, South Carolina, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.

Need More Information?

Our Staff

Need a small personal loan with bad credit? Our experienced specialists will help you find the best option:

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Milton Martins

Financial Councelor, Started from 2009

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Catherine Ruiz

Financial Expert, Started from 2009

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Juan Selvage

Accounting Clerk, Started from 2013

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Sarah Vantassel

Financial Expert, Started from 2011