No luck getting a loan from the direct payday lenders listed on this page? It could be that you have outstanding cash advances, or you might have a negative Chexsystems report. Most banks will report people with past-due payday loans or mortgages to the credit bureaus, which can also be a problem. It's challenging to get a payday loan in Ohio with terrible credit or delinquent payday advances in the past. If you fall into this category, you may want to check out the Payday Loans Ohio Lending Network. We work with over 50 bad credit personal loan lenders & can usually qualify you for a payday loan regardless of your credit history or Chexsystem record.