Get Payday Loans in Ohio - Instant Decision

Bad Credit Accepted - No Credit Check Options Available

From Akron, Cincinnati, Cleveland and Columbus, Dime Alley’s simple online application makes it easy for you to find a payday loan in Ohio that suits your financial needs. Apply to borrow from $100 to $35,000 ASAP and receive the funds in your account as soon as the next business day!

Payday Loans in Ohio

How To Apply For Payday Loans in Ohio

Step 1: Apply Online Today
Apply now using our quick form
Step 2: Wait to Hear Back
The same day or within 24 hours.

Step 3: Receive your Ohio loan
Receive funds into your account in 1 hour!

Why Choose Dime Alley for Payday Loans in Ohio?

Dime Alley can help you get a Payday Loan in Ohio, OH if you’re looking for a bit of extra cash to help you through to your next paycheck or to pay an unexpected bill, such as a medical or veterinary bill.

Apply online today and you could receive the money in your account in just a few short hours! We all have times of financial hardship, but rest assured, at Dime Alley, we are there to help you get through it!

Is a Payday Loan Right for Me?

A payday loan may be the right choice if you’re struggling with a temporary financial shortfall. If you are finding it hard to cover your expenses until your next paycheck, an Ohio payday loan can help you get back on your feet.

You can choose a short-term loan of 2-4 weeks to allow you some time to reach your next payday. It is not designed to be spent on frivolous activity or shopping, but rest assured, requesting a payday loan will not have an impact on your credit score.

How Do I Get a Payday Loan in Ohio?

If you request a loan through Dime Alley, you can easily find a speedy payday loan in Ohio.

At Dime Alley, we do the hard work for you; we work with direct lending companies across Ohio to find you a loan. We offer a fully online experience with almost instant decisions to make the process as straightforward as possible.

There’s no need to leave the house or approach multiple lenders simply enquire online today and let Dime Alley do the rest.

Am I Eligible for a Payday Loan in Ohio?

Before you request a payday loan, you should consider whether you meet the conditions necessary. Not everyone is eligible for a payday loan in Ohio, so be aware of the requirements and stipulations. There are four main conditions to be eligible:

  • You must be a U.S. resident.
  • You have to be at least 18 years of age.
  • You need to have a consistent income with earnings at a minimum of $800 per month.
  • You must have a checking account that your Ohio payday loan can be deposited into.

If you pass all of the above criteria, then feel free to go ahead and apply and we’ll do the rest

Can I Get an Auto Loan in Ohio?

Yes, you can get a Car Title Loan in Ohio!

Title loans in Ohio work similarly to title loans in other states although Ohio has stricter laws which protect you, the borrower.

Generally, title loans work by providing a loan amount of 25% to 50% of the vehicle’s value and using your vehicle as collateral. Because they are secured loans, the lender can repossess the car if you fail to meet the terms of the loan.

Ohio title loan laws set minimum and maximum 180 day(s) loan terms, but there is no limit on the amount that a consumer may borrow. The interest rate is also capped to 25%/mon.

Are Payday Loans Legal?
Yes
Maximum Loan Amount
$1,000
Minimum Loan Term
91 days
Maximum Loan Term
1 year
Price Cap 38%
No. of Rollovers Allowed
0
No. of Outstanding Loans Allowed
0
Finance Charges
28%
Statute of Limitations
8 Years Since Last Payment

How Do Repayments Work for Ohio Payday Loans?

Ohio payday loans are repaid over two weeks to five years in equal monthly instalments. If you need to cover a one-off emergency bill, a couple of weeks may be long enough to get you to your next paycheque.

For large sums, you may need to spread out the repayments more. You can choose to repay your payday loan in equal instalments each month up to five years! You are also always able to repay the loan early to save money on interest.

What Should I Consider Before Getting a Payday Loan in Ohio?

You should first check that you meet the eligibility criteria (see above) before you apply. Make sure you consider whether you can afford to meet the repayments on time.

In the case that you are unable to repay your payday loan, interest may be added. Not repaying your loan on time may also affect your credit score. It would be best if you thought about how much you actually need to borrow before getting started.

How Fast Can I Get a Payday Loan in Ohio?

You can get a Payday Loan in Ohio OH within 1 hour or in up to 24 hours!

Most people requesting a payday loan are in an urgent financial situation. We understand that time can be of the essence and strive to get you the money you need as quickly as possible. Whether you’re facing home repairs, need to cover monthly bills, or pay rent, completing the short online form is the first step in the right direction.

To get your payday loan in Ohio as quickly as possible, have your bank details ready to go. You should also remain available by once you’ve sent the request in case you are contacted to provide follow-up information. For fastest response times, its recommended to inquire during work hours, this is when most loans are funded, and avoid national holidays!

We work with lenders from all across Ohio to find you funding. If your request is accepted, you could receive your loan within one hour. The loan will be paid into your bank account the very same day in one lump sum. Wherever you live in Ohio, you can get a fast and efficient payday loan. Inquire today and get a decision almost instantly.

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More Frequently Asked Questions

How Much Can I Borrow in Ohio?

With Dime Alley, you could find payday loans ranging from $100 to $35,000 – with the amount you can borrow based on factors like your monthly income, credit status and affordability.

Ohio has a $1,000 payday loan limit. Payday loans can be taken for the period from 91 to 1 year and no rollovers are allowed.

How many Loans can you have at once in Ohio?

According to Ohio state regulation, only one payday loan is allowed at one time. Once the loan is paid back, you’ll be permitted to take out another one if you wish.

Can I get a Payday Loan with Bad Credit in Ohio?

If you have a bad credit score, don’t worry – you can still get a payday loan!

With Dime Alley, all credit histories are accepted. This means that you should still request a payday loan with us even if you have already been turned down by a bank because of bad credit.

Am I Charged a Fee for using Dime Alley?

No! We will never charge fees for using our service.

Instead, we take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before you proceed.

What is the Price Cap on Loans in Ohio?

The payday price cap in Ohio is currently set at 138%.

The price caps on interest rates protect borrowers from paying such high interest and to protect from predatory lending.

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