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Ohio (OH) lender directory

Payday Loans in Ohio

Looking for a payday loan near you in Ohio? Pick your city below. We list 47 stores in 28 Ohio cities, built from state license records and lenders' own store pages. Data last checked October 8, 2026.

Read our guide: Installment Loans vs. Payday Loans: Costs, Terms and Which Is Safer

Payday loans by city

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Payday loans in Ohio: the rules

Rules marked "medium confidence" were checked against a published copy of the statute because the official site was unavailable to us. Confirm them with the official text before relying on them.

  • 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
  • A lender may add a monthly maintenance fee of at most the lesser of 10 percent of the original loan amount or $30. Source: Ohio Rev. Code § 1321.40(B)(1) · verified Oct 8, 2026 · medium confidence
  • The monthly maintenance fee on a short-term loan cannot be more than $30. Source: Ohio Rev. Code § 1321.40(B)(1) · verified Oct 8, 2026 · medium confidence
  • On loans of $500 or more, a lender may charge an origination fee of 2 percent of the original loan amount. Source: Ohio Rev. Code § 1321.40(C) · verified Oct 8, 2026 · medium confidence
  • A lender may charge one check collection fee per loan of up to $20 plus any amount other banks pass on for a returned check. Source: Ohio Rev. Code § 1321.40(D) · verified Oct 8, 2026 · medium confidence
  • If the loan proceeds are paid by check, the lender may charge at most $10 to cash it. Source: Ohio Rev. Code § 1321.40(E) · verified Oct 8, 2026 · medium confidence
  • A short-term lender cannot make a new short-term loan to a borrower who has an outstanding loan with that lender, a related company or an employee. Source: Ohio Rev. Code § 1321.41(E) · verified Oct 8, 2026 · medium confidence
  • A short-term lender cannot charge a fee for paying the loan off early. Source: Ohio Rev. Code § 1321.41(J) · verified Oct 8, 2026 · medium confidence
  • The borrower can cancel a short-term loan by 5 p.m. on the third business day after the loan, by returning the amount borrowed. Source: Ohio Rev. Code § 1321.39(E) · verified Oct 8, 2026 · medium confidence
  • Making or brokering a short-term loan to an Ohio borrower requires a license from the Superintendent of Financial Institutions. Source: Ohio Rev. Code § 1321.36(A) · verified Oct 8, 2026 · medium confidence

Lenders in Ohio are licensed by the Ohio Department of Commerce, Division of Financial Institutions (ODFI). You can look up any license in its license search. See also online lenders and apps in Ohio.

Ohio lending statistics

Official figures, grouped by the report they come from. Older reports are the latest published for that measure.

Ohio Division of Financial Institutions annual report 2022 (2022)

LoanMeasureValue
Payday (deferred presentment)Average charges per loan$50.95
Payday (deferred presentment)Average loan$496.15
Payday (deferred presentment)Borrowers128,187
Payday (deferred presentment)Loans charged off42,561
Payday (deferred presentment)Average contracted APR (excluding one company)110.68%
Payday (deferred presentment)Loans in default58,604
Payday (deferred presentment)Average APR actually paid (excluding one company)75.42%
Payday (deferred presentment)Licensed locations (Short-Term Loan Act)107
Payday (deferred presentment)Total amount lent$138,140,556
Payday (deferred presentment)Loans made278,424
Installment loanLicensed locations (Consumer Installment Loan Act)302
Installment loanLicensed locations (Small Loan Act)35
Installment loanTotal amount lent (Consumer Installment Loan Act)$950,550,617
Installment loanLoans made (Consumer Installment Loan Act)258,453
Installment loanRegistered locations (General Loan Law)257

Source: Ohio Division of Financial Institutions annual report 2022 · verified Oct 8, 2026

Questions people ask

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)).

How many payday loan stores are in Ohio?

We list 47 payday loan stores in Ohio, in 28 cities.

Which Ohio cities have the most payday loan stores?

Cleveland (9), Youngstown (5), Cincinnati (3), Akron (2) and Lorain (2).

How much can lenders charge in Ohio?

A lender may add a monthly maintenance fee of at most the lesser of 10 percent of the original loan amount or $30 (Ohio Rev. Code § 1321.40(B)(1)). More limits are listed under the state rules on this page.

How do I check a lender's license in Ohio?

Lenders in Ohio are licensed by the Ohio Department of Commerce, Division of Financial Institutions (ODFI). You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.

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

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

  1. Ohio Division of Financial Institutions eLicense rosters · 47 locations Last verified Oct 11, 2026
  2. OpenStreetMap (Overpass API), OH · 8 locations 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.