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Lorain County, Ohio (OH)

Payday Loans & Pawn Shops in Lorain, OH

3 lenders in Lorain, OH · 3 verified in the last 30 days · + 2 reported, not yet verified

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

Open now or opening soon

Other lenders reported in Lorain

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Found in OpenStreetMap (seen Oct 11, 2026). Not yet matched to a state license or the brand's own store list.

Lorain lenders at a glance

Lorain, in Lorain County (population 65,751), has 3 lender locations in our directory: 2 payday loan stores and 1 pawn shop, across 2 ZIP codes. The chains with the most stores here are ACE Cash Express (1), Advance America (1) and Cash America Pawn (1). The nearest other city with lenders is Amherst, about 4 miles away, with 2 locations.

Stores by loan type
Payday loans 2
Pawn shops 1
County
Lorain County
ZIP codes with stores
44052, 44053

Typical cost in Ohio

Rules for lenders in Lorain

Lorain 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 payday loan stores are in Lorain, OH?

We list 2 payday loan stores and 1 pawn shop in Lorain, 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 Lorain?

ACE Cash Express (1 store), Advance America (1 store) and Cash America Pawn (1 store).

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. 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
  3. 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
  4. 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
  5. Ohio Rev. Code § 1321.36(A) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
  6. Ohio Rev. Code § 1321.02 · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  7. Ohio Rev. Code § 1321.13(A) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  8. Ohio Rev. Code § 1321.57(A) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  9. 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.