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Find the Best Payday Lenders in Cincinnati, OH

If you need extra cash and can’t wait until the next check, one option is a payday loan. With this type of short-term, high-interest loan, you can qualify for up to $1,000 and get money the same day. To help you understand how these loans work and where to find reputable lenders, we researched the best payday loans in Cincinnati.

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Compare Top Payday and Title Loans

Speedy Cash
Overall satisfaction rating
  • No prepayment penalties
  • Direct deposit into your account
  • Loans from $50 to $26,000
  • Available in Cincinnati

Apply online!

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Overall satisfaction rating
  • Apply online 24/7
  • Loans up to $500
  • No prepayment fees
  • Available in Cincinnati

Online lender offering payday loans, installment loans, and line of credit products. Can lend up to $800 with loan terms anywhere between 8 and 31 days. Borrowers apply online and receive an instant lending decision.

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Advance America
  • Easy online application
  • 2-4 week loans
  • Fast approvals
  • Same-day deposit to bank account
5180-C Delhi Pike
Cincinnati, OH 45238
(513) 347-3800
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Check 'n Go
  • Quick decision process
  • Apply in minutes
  • Multiple locations in Cincinnati
  • Funds as soon as next business day
6212A Glenway Ave.
Cincinnati, OH 45211
(513) 662-0200
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  • M-F: 8am - 7pm
  • Sat: 8am - 4pm
  • Closed Sun
  • ccfi.com/checksmart
658 Main St.
Cincinnati, OH 45202
(513) 929-4155
First American Loans
  • M-Th: 10am - 6pm
  • F: 9am - 7pm
  • Sat: 9am - 1pm
  • Closed Sun
8593 Winton Rd.
Cincinnati, OH 45231
(513) 931-4888
ACE Cash Express
  • M-Th: 9am - 7pm
  • F: 9am - 8pm
  • Sat: 9am - 5pm
  • Closed Sun
4981 Vine St.
Cincinnati, OH 45217
(513) 641-0756
National Cash Advance
  • M-Th: 10am - 6pm
  • F: 9am - 7pm
  • Sat: 9am - 2pm
  • Closed Sun
8320 Colerain Ave.
Cincinnati, OH 45239
(513) 923-2247
  • M-F: 9am - 6pm
  • Sat: 9am - 3pm
  • Closed Sun
  • cashamerica.com/Cashland.aspx
4081 E Galbraith Rd., Ste. 2
Cincinnati, OH 45236
(513) 891-8329
Check Into Cash
  • M-F: 10am - 6pm
  • Sat: 10am - 3pm
  • Closed Sun
  • checkintocash.com

Lender with 25 years in business offers payday loans up to $1,000 and title loans up to $25,000 with easy application process. Consumers can get funds the next business day. Installment loans and lines of credit also available.

8088 Beechmont Ave.
Cincinnati, OH 45255
(513) 474-0622

Payday lending is illegal and unavailable to consumers in some states. Payday loans usually have very high interest rates and carry risk. As with any loan, consumers should have a clear understanding of the fees, terms and conditions of any payday loan before borrowing.

How to get a payday loan in Cincinnati

Cincinnati skyline

Payday loans are ideal for those who need extra cash to cover bills or an unexpected expense between pay periods. This type of borrowing comes with high interest rates, so it’s best to first consider payday loan alternatives like loans from family members or extensions from creditors.

Those who choose to take out payday loans in Cincinnati generally find them to be fast and convenient. Most payday companies don’t mind lending to residents with bad credit. Approvals are almost instant, and most lenders offer same-day cash or electronic transfer of funds within 24 business hours.

Before applying, be sure you understand laws regarding payday loans in Cincinnati, which were overhauled in late 2018 to the benefit of the consumer. Here are some key changes:

  • The maximum loan amount is $1,000.
  • The maximum loan term is 12 months.
  • Fees and interest can’t exceed 60% of the principal.
  • Monthly fees can’t exceed $30 or 10% of the principal, whichever is less.
  • Loans under 90 days are illegal unless the monthly payment does not exceed 7% of borrower’s net monthly income or 6% of gross monthly income.
  • Borrowers can take out a maximum of $2,500 across loans.

Payday loan requirements are straightforward. To qualify, you must have a valid ID, an active checking account and proof of income. You may also be asked for a Social Security number. Some lenders require you to visit one of their locations to complete the loan, while others provide online loans with electronic transfers.

When taking out a payday loan in Cincinnati, only borrow what you can afford to pay back. In the event you are unable to pay back the loan, the lender may take legal action, but remember: Payday loan companies can’t harass you, and you can’t go to jail for defaulting.

Payday Loans Reviews

Speedy Cash

Speedy Cash makes it easy to sign up for installment loans, which allow Cincinnati residents to borrow up to $1,500 and repay over a longer term. Complete the application online and get an instant lending decision, then get funds deposited directly to your checking account by the next business day. Reviewers say every part of the Speedy Cash transaction is fast, calling the experience hassle-free and recommending it to others.

Speedy Cash


CashNetUSA has helped over 3 million customers handle financial emergencies with its online lending platform. Cincinnati residents can fill out a quick application for up to $850, get an instant decision and even qualify for same-business-day funding. An in-house customer service team is available seven days a week. CashNetUSA gets positive reviews for clearly explaining terms and conditions and issuing quick approvals.

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Advance America

Advance America is a national company that has funded millions of payday loans in over 20 years of business. Cincinnatians can apply online and be eligible for same-day funding or visit one of the several area locations and receive money in person. Customers speak highly of Advance America’s friendly and fast service in Cincinnati.

Advance America

Check 'n Go

Check ‘n Go is a national company with headquarters in Cincinnati. Customers can apply in minutes for a payday loan online and receive funds as soon as the next business day. If you’re more comfortable applying in person, it’s easy to visit one of the Cincinnati-area stores, where you can get money on the spot. Reviewers say Check ‘n Go staff are polite and good at explaining the lending process.

Check 'n Go