Online Payday Loan Companies in Ohio

Shown below is our list of companies that provide online payday loans and installment loans in Ohio

Updated 9-21-21

BlueTrust Loans

BlueTrust is one of the newest lenders to offer payday loans in Ohio. They feature short-term 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 as soon as the next business day.

CashUSA offers payday loans in Ohio with a loan amount of up to $1,000 based on qualification standards. They require that you make at least $1,000 a month and have an open and 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 other neighboring states. Loan amounts will range from $400 to $4,500 and your payments will often be spread out over 5-24 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. The qualification requirements are more difficult 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 very simple application process where you can see all the available interest rates for a payday loan.


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. You can build up your credit over time, as on-time loan payments are reported monthly to the credit bureaus.

Cash Request

Cash Request has a simple online approval system for same-day payday lending applications. They offer payday loans in Ohio of $250 to $1,300 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.

Highway Lending

Unlike the payday lenders and installment loan companies listed here, this company allows you to borrow cash by using the collateral in your vehicle. By taking out a car title loan, you can borrow more money than a typical payday loan and you will be able to keep driving your vehicle for the life of the loan.


This large company has provided payday loans online Ohio for over 13 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 any bank statements for amounts under $400. You must show proof of a bank account (no savings accounts or pre-paid bank cards), be employed with an income of more than $1,400 a month.

America's Payday Loan Company

In addition to their online payday loan services, ALC has a handful of retail locations throughout the state. This company has a quick and simple application process that lets you get cash the same-day once you qualify for an online payday loan. They offer a loan amount of $500 to $5000 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 that has over 40 local locations in the state. They offer installment loans that max out at $2,000 and online payday loans 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 $200-$800 available upfront. Cash Central also has a same day funding option for payday loans Ohio. With this option, you have funds deposited straight to your Visa card in less than 10 minutes. They provide more information about this option on their website.

Lion Payday Loans

LionLoans is a nationwide lender that's new to our list. Lion provides Ohio payday loans online that range from $300 to $2,200. You can choose your own loan terms and payment setup. These loans have a monthly payment range of anywhere from 2-24 months and there are no early payment penalties. 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 lender that recently started funding Ohio payday loans online. They offer a cash advance that starts at $275 & goes all the way up to $1500. Applicants can access and 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 installment loan. Rates and terms may decrease over the life of the loan & you're able to choose your monthly payoff. You will need to show a FICO score of 640 to get started on your application information for Upstart's online loan. Ohio residents can get a personal loan of anywhere from $800 to $10,000.

Check 'n Go

Check 'n Go has 33 retail locations throughout Ohio and is a new addition to our directory of Ohio payday loan lenders. They provide online payday loans in Ohio of up to $1,500 with a 40 day payoff term. Check 'n Go also offers installment loans that go to $7,000 with an 8 month payoff term. They allow extensions as long as they're made two days before your due date. You can also pre-pay in advance in full before the due date with no penalty. Check your online loan agreement for details on updates, rates, and finance terms.

National Online Lending

National is a credit services organization that's been providing a short term loan product in Ohio for well over a decade. They promise a quick review of applications with no faxing. Borrowers can receive get same-day money if approved. 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 payday loans of $800 - $1500. Some of these loans will originate from an unaffiliated third party payday 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 short term lenders listed here, Prosper offers fixed rate high dollar Ohio installment loans. You'll need a checking account with a credit score of 640 or above. They generally fund between $1,000 and $30,000 for Ohio residents and are licensed pursuant to the deferred deposit transaction law.


MoneyKey arranges payday loans in Ohio of up to $1,500 between customers and qualified lenders. 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 has a license from the Ohio Department of Financial Institutions to act as a Credit Services Organization(CSO) in Ohio. As such, they offer payday loans online that range from $500 to $1500. Speedy has many 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 10 minutes.


CashNet is one of the biggest companies that offer online payday loans in Ohio. They've offered title loans, installment loans, and payday loans for nearly a decade, with same-day funding options. They offer up to $1400 to Ohio residents, with a payoff time of anywhere from 8 to 36 days. Use promo code "NEWCASH" when applying to receive 15% off fees through October.

Fig Loans

Fig 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 $240. 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 all the way up to $4,000. As of 2021, 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 payday loan 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 for an online loan. 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 loan 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, so that can be a problem as well. It's difficult to get a payday loan in Ohio with very bad credit or delinquent payday advances in the past. If you happen to fall into this category you may want to check out the Payday Loans Ohio Loan Network. They 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. Ohio residents can qualify for up to $2,500. They can help you with a payday loan, installment loan, or other short-term financial needs.