Online Payday Loan Companies in Ohio

Shown below is our list of lenders that provide online payday loans in Ohio

Updated 1-22-24


MaxLend offers installment loans with funds available as soon as that same day. Their loan amounts for Ohioans range from $1,250 to $2,500. You can make extra payments to pay off the loan quicker, and there's never an early payoff penalty. In addition, you can build up your credit over time, as on-time loan payments are reported monthly to the credit bureaus.

CashUSA offers payday loans in Ohio with funding up to $1,000 based on underwriting requirements. You must make at least $1,000 monthly and have an active checking account. They promise a 5-minute loan request process and offer next-day funding where available.


Opploans is an online lender that provides installment loans in Ohio and neighboring states. Loan amounts will range from $400 to $4,500, and your payments can be spread out over 6-24 months. Applying for a personal loan with Opploans will not affect your credit. According to their site, they have well over 100k satisfied customers.


LoanCenter is a direct loan company that now offers personal loans in Ohio of up to $3,500. However, the qualification requirements are more complex than most online payday lenders as you'll need to provide proof of at least $2,5000 in monthly income with a minimum 600 credit score.

24/7 Credit Loan

This site provides payday loans and personal loans to applicants in Ohio. They also offer long-term installment loans with low fixed rates and no hidden fees. They use a straightforward application process where you can see all the available interest rates for a payday loan.

Cash Request

Cash Request offers online payday loans in Ohio of $250 to $1,200 for qualified residents & they will attempt to get you cash within 12-24 hours. They say they will never do a credit check and that many applicants with poor credit are accepted for a loan.


This company has provided payday loans online for over 15 years. They promise a quick approval process and offer same day payday loans to Ohio residents of up to $1,200. Also, assuming you have decent credit, they won't need bank statements for loan amounts under $400. You must show proof of a bank account (no savings accounts or pre-paid bank cards) and be employed with an income of more than $1,400 monthly.

America's Payday Loan Company

In addition to its payday lending services, ALC has a handful of retail locations throughout the state. This company has a quick and straightforward application process that lets you get cash the same day once you qualify for an online payday loan. They offer a loan of $500 to $4,000 for Ohio residents with a minimum 14-day repayment period. Check their terms and conditions page for specific info on rates and fees.

Ace Cash Express

Ace is an online lender with over 40 local locations in the state. They offer installment loans that max out at $2,000 and payday loans in Ohio that range from $200 to $1,200. Ace promises next day funding for those who qualify. Borrowers may be able to refinance a payday loan up to 4 times. Ace has a satisfaction guarantee with all their products.

Cash Central

Cash Central is another nationwide direct lender that recently started offering Ohio payday loans. Their loan terms will be 7-50 days, with $300-$800 available upfront. Cash Central also has a same day funding option for payday loans in Ohio. This option deposits funds straight to your Visa card in less than 15 minutes. They provide more information about this option on their website.

BlueTrust Loans

BlueTrust is a new company offering online payday loans in Ohio. They feature personal loans that range from $100 to $3,000. You need to provide a checking account and verifiable source of monthly income($800+) for approval consideration. Once approved, your money can be deposited within the next business day.


Moneylion is a nationwide lender that's new to our list. Lion provides payday loans online that range from $300 to $1,500. You can choose your own loan terms and payment setup. These loans have a payment range that starts at 91 days and goes to 1 year. All eligible residents must have a bank account, and online payday loans will vary due to FICO and underwriting results. They don't accept savings accounts or accounts associated with a prepaid card.


LoanbyPhone is an online-based direct lender that recently started funding payday loans in Ohio. They offer cash advances of $275 to $2,500 with same day funding. Applicants can complete everything online in five minutes or less. You generally don't need to fax in paperwork for their online payday loans.


Upstart gives Ohio residents the chance to get a high-dollar direct installment loan. Rates and terms may decrease over the life of the loan & you're able to choose your monthly payoff. You must show a FICO score of 620 to get started on your application information for Upstart's online loan. Ohio residents can get a personal loan of anywhere from $600 to $8,000.

Check 'n Go

Check 'n Go has 26 retail locations throughout Ohio and is a new addition to our directory of lenders. They only provide retail installment loans in Ohio with rates up to $1,000 with a variable payoff term. They allow extensions as long as they're made two days before your due date.

National Online Lending

National is a credit services organization that's been providing a short term payday loans in Ohio for over a decade. They promise a quick review of applications with no faxing. Borrowers can receive same-day money if approved for a payday loan online. National claims to have one of the highest approval rates around. Assuming you are working and use direct deposit, you should qualify for some type of online loan with them. National Online provides online payday loans of $400 - $1,500. Some of these loans will originate from an unaffiliated third party lender.

Prosper Personal Loans

Prosper has only been around for a few years, but in that time, they've served well over 250,000 people. Unlike most direct lenders listed here, Prosper offers fixed rate high dollar installment loans in Ohio. You'll need a checking account with a credit score of 660 or above. They generally fund between $1,000 and $20,000 for Ohio residents and are licensed pursuant to the deferred deposit transaction law.

Possible Finance

Possible Finance offers direct cash advances of up to $500 for qualified customers in Ohio. The finance charge with this loan request is reasonable, and you can qualify with a poor credit score. Your funds are deposited into a bank account in one business day once your application is approved.

Speedy Cash Payday Loans

This company is licensed by the Ohio Department of Financial Institutions as a Credit Services Organization(CSO) in Ohio. As such, they offer online payday loans of $300 to $1,500. Speedy has check cashing and lending locations throughout the country but none in the Buckeye State. They can process everything online, and you should receive an underwriting decision in about 20 minutes.


CashNet is one of the biggest companies that offer direct loans in Ohio. They've provided title loans, installment loans, and payday loans for nearly a decade, with same day funding options. They provide up to $1,500 to Ohio residents, with a payoff time of anywhere from 14 to 36 days. Use promo code "NEWCASH" when applying to receive 20% off fees through February 2024.

Fig Loans

Fig Loans is a direct lender that launched its Ohio online lending service in 2019. They say their loans are an alternative to Ohio payday loans and feature a loan amount between $200 and $2,400. Build your credit score with each monthly payment and expect a payoff term of 2-4 months with no prepayment penalty or interest rate increases.

Rise Credit

Rise offers installment loans Ohio that go from a few hundred dollars up to $4,000. As of 2024, their online loans are underwritten by FinWise Bank, and they may run a credit check to determine your APR. Payoff terms are longer than most payday loans as you can expect to make payments for 8-15 months on average.

Advance America

Advance has over 50 lending locations in Ohio, and they've been in business for 2 decades. They have multiple walk-in offices in Cleveland, Akron, Cincinnati, and Canton, and you can also apply with them online. Loan amounts will be under $1,000, and you should be able to pay off the amount borrowed plus finance charges within 12 months.

Use Our Site To Find A Licensed Ohio Payday Loan Lender!

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.