CashAdvance.io

Hamilton County, Ohio (OH)

Payday Loans in Cincinnati, OH

3 lenders in Cincinnati, OH · 3 verified in the last 30 days

Looking for a payday loan near you in Cincinnati, Ohio? We list 3 payday loan stores in Cincinnati with addresses, phone numbers, opening hours and, where Ohio publishes it, license status. Last checked October 8, 2026.

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Cincinnati lenders at a glance

Cincinnati, in Hamilton County (population 314,915), has 3 lender locations in our directory: 13 installment lenders, 13 pawn shops and 3 payday loan stores (some stores offer more than one type), across 15 ZIP codes. The chains with the most stores here are OneMain Financial (5), Cash America Pawn (4) and Advance America (2). Of the 5 stores that publish hours, 1 open on Saturday and 0 on Sunday. The nearest other city with lenders is Norwood, about 3 miles away, with 2 locations.

Stores by loan type
Payday loans 3
Installment loans 13
Pawn shops 13
County
Hamilton County
ZIP codes with stores
45202, 45211, 45214, 45215, 45217, 45236, 45237, 45238, 45239, 45241, 45242, 45245, 45246, 45251, 45255
Hours (5 stores list them)
Open Saturday: 1

Typical cost in Ohio

Rules for lenders in Cincinnati

Cincinnati has no local payday or title loan ordinance in our records, so Ohio state law applies.

  • A short-term loan under the Short-Term Loan Act can be for at most $1,000. Source: Ohio Rev. Code § 1321.39(A) · verified Oct 8, 2026 · medium confidence
  • A short-term loan must run for at least 91 days, unless the monthly payment is small relative to the borrower's income. Source: Ohio Rev. Code § 1321.39(B) · verified Oct 8, 2026 · medium confidence
  • A short-term loan can run for at most one year. Source: Ohio Rev. Code § 1321.39(B)(1) · verified Oct 8, 2026 · medium confidence
  • Interest on a short-term loan cannot exceed 28 percent a year. Source: Ohio Rev. Code § 1321.40(A) · verified Oct 8, 2026 · medium confidence

All rules: Ohio lending rules.

Questions people ask

How many installment lenders are in Cincinnati, OH?

We list 13 installment lenders, 13 pawn shops and 3 payday loan stores in Cincinnati, checked against their sources as of October 8, 2026.

Are payday loans legal in Ohio?

Yes. Payday lenders operate in Ohio under state rules. For example: A short-term loan under the Short-Term Loan Act can be for at most $1,000 (Ohio Rev. Code § 1321.39(A)).

Which lenders have the most stores in Cincinnati?

OneMain Financial (5 stores), Cash America Pawn (4 stores) and Advance America (2 stores).

Are any lenders in Cincinnati open on weekends?

Of the 5 stores that publish hours, 1 open on Saturday and 0 on Sunday. Holiday hours can differ, so call ahead.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. Ohio Division of Financial Institutions eLicense rosters · 3 locations Last verified Oct 11, 2026
  2. OpenStreetMap (Overpass API), OH · 1 location Last verified Oct 11, 2026 © OpenStreetMap contributors, ODbL 1.0
  3. Ohio Rev. Code § 1321.39(A), Ohio Rev. Code § 1321.39(B), Ohio Rev. Code § 1321.39(B)(1), Ohio Rev. Code § 1321.39(E) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
  4. Ohio Rev. Code § 1321.40(A), Ohio Rev. Code § 1321.40(B)(1), Ohio Rev. Code § 1321.40(C), Ohio Rev. Code § 1321.40(D), Ohio Rev. Code § 1321.40(E) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
  5. Ohio Rev. Code § 1321.41(E), Ohio Rev. Code § 1321.41(J), Ohio Rev. Code § 1321.41(H) · Payday loans (deferred presentment), Title loans Last verified Oct 8, 2026 · medium confidence
  6. Ohio Rev. Code § 1321.36(A) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
  7. Ohio Rev. Code § 1321.02 · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  8. Ohio Rev. Code § 1321.13(A) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  9. Ohio Rev. Code § 1321.57(A) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  10. Ohio Rev. Code § 1321.63(A)(1) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.