These companies listed in our directory of lenders all provide some form of online loans in the State of Ohio. Many offer traditional payday loans. Others may provide installment loans, car title loans or cash advances that are in line with Ohio's Short Term Lender Law Act. Some offers in our directory are provided by a Credit Services Organization. A CSO is not a direct lender. Instead, they help Ohio residents get a payday loan from an outside lender while guaranteeing the loan on the customer's behalf. It generally takes one business day for a short term lender to underwrite and approve your loan application. Not all applicants will be approved and final loan amounts will be determined based on current state regulations and the individual borrower profile. Cash can be deposited into your bank account within 2 business days upon approval.