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Payday Loans Online in Cleveland, OH
Cleveland, OHPayday Loans Online

Payday Loans in Cleveland, Ohio

To obtain cash advance in Ohio, apply for fast payday loans online from top direct lenders in Cleveland, OH.

Obtain a short-term cash advance with no credit check required, even if you have bad credit, by applying for online loans in Ohio for bad credit. With Cleveland loans, you can get quick cash even without a bank or checking account. Approval for a fast payday advance in Cleveland is possible regardless of your credit history. Simply complete a free online application form, and receive an instant decision from multiple lending companies in just a few minutes.

An instant cash advance is available online with Ohio Payday Loans even if you have bad credit or no credit. Just complete a simple application form in minutes to get the money today.



Smaller tax return than you expected? Apply online for quick cash. Apply

Are Payday Loans Legal in Cleveland, OH ?

Loan Rates and Fees, Laws and Regulations in Ohio.

Residents of Ohio can get $100 - $500 Payday loans online for a maximum of 31 days. Payday loans are legal in Ohio (Ohio Rev. Code Ann. 1321.35 et seq. Short-Term Loan Act)1. It sets the APR of 28%. One simultaneous cash advance is allowed, four can be borrowed a year. Rollovers are prohibited, and there must be a 90-day cooling-off period. If you default on a loan, you have the right to an extension or repayment plan.

Law statuslegal
MIN Loan Amount$100
MAX Loan Amount$500
MIN. Loan Term14 days
MAX. Loan Term31 days
MIN APRVaries by lender
Additional feesNone
NSF feeNone
Collateral or guarantorNone, unsecured
Number of simultaneous loans1
Cooling off period90 days
RolloverNot allowed
Extension, repayment planOne repayment plan
Default penaltiesMaximum $20 collection charge
Credit score requirementsAvailable for Bad Credit
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Eligibility Requirements to Get a Payday Loan in Cleveland, OH

To be eligible for a payday loan in Cleveland, Ohio, borrowers must meet certain criteria. The requirements may vary slightly depending on the lender, but generally, applicants must:

  • Be at least 18 years of age
  • Be a U.S. citizen or a permanent resident
  • Have a valid government-issued ID
  • Have an active checking account
  • Have proof of income or employment

Some lenders may also require applicants to have a minimum credit score, but this is not always the case.


How to Apply for a Payday Loan in Cleveland, Ohio?

Applying for a payday loan in Cleveland, Ohio, is a simple process. Borrowers can apply online by filling out an application form on the lender's website. The application will require personal and financial information, such as name, address, Social Security number, income, and employment status. Once the application is submitted, the lender will review the information and determine whether the borrower is eligible for a loan.


Can I Get Payday Loans for Bad Credit in Ohio?

Yes, borrowers with bad credit can get payday loans in Ohio. Lenders that offer payday loans typically do not require a credit check or have minimum credit score requirements. This makes payday loans a viable option for borrowers who have poor credit or no credit history.


Benefits of Payday Loans in Cleveland, OH

There are several benefits of payday loans, including:

  • Quick and easy application process
  • No collateral required
  • No credit check required
  • Same-day or next-day funding available
  • Flexible repayment options

These benefits make payday loans a popular choice for borrowers who need cash quickly and cannot obtain traditional bank loans.


Can I Get Payday Loans in Cleveland without Checking Account?

It is possible to get a payday loan in Cleveland without a checking account, but it may be more difficult. Most lenders require borrowers to have an active checking account to qualify for a loan. This is because the loan amount is typically deposited into the borrower's checking account, and repayment is usually done through automatic withdrawals from the same account. However, there are some lenders that offer alternative repayment methods, such as prepaid debit cards, which may be used instead of a checking account.


Payday Loan Repayment Process in Cleveland, OH

Repaying a payday loan in Cleveland, Ohio, is a straightforward process. Typically, the loan repayment process starts on the borrower's next payday, hence the name "payday loan."

When a borrower takes out a payday loan, they must provide their checking account information. This allows the lender to deposit the loan amount into the borrower's checking account and to automatically withdraw the loan amount and fees on the due date.

Borrowers can choose between several repayment options. The most common repayment option is for the lender to automatically withdraw the loan amount and fees from the borrower's checking account on the due date. However, borrowers can also pay the loan off early, which will save them on interest and fees.

If a borrower is unable to repay the loan on the due date, they may be able to work out a repayment plan with the lender. This will allow the borrower to repay the loan in installments rather than in a lump sum. Borrowers should contact their lender as soon as possible if they are unable to repay the loan on the due date to discuss their options.



Payday loans are a useful tool for people who need quick cash in an emergency. Borrowers in Cleveland, Ohio, can apply for payday loans online, and they do not need a high credit score to be eligible. With flexible repayment options and quick funding, payday loans can help bridge the gap when unexpected expenses arise. However, borrowers should be cautious when taking out these loans and make sure they can afford to repay them on time to avoid falling into a cycle of debt.

Cash Advance and other Money Offers in Cleveland, OH

Up to $5,000 instant cash with guaranteed approval from direct lender with a few months of scheduled installments.
$5,000 - $35,000 quick loans for any personal needs. Available for any credit score and don't require any collateral.
Fast Title Loans secured by your vehicle title as collateral. No inspection. No credit checks. Instant cash for bad credit same day.

Payday Loans Available in Cleveland, OH by the following ZIP codes:

44101 44102 44103 44104 44105 44106 44107 44108 44109 44110 44111 44112 44113 44114 44115 44117 44118 44119 44120 44121 44122 44124 44125 44126
44127 44128 44129 44130 44134 44135 44142 44143 44144 44178 44181 44185 44188 44189 44190 44191 44192 44193 44194 44195 44197 44198 44199

In 2024 there are 385,809 people living in Cleveland, OH. According to the statistics, 23149 of them look for "Payday Loans Near Me in Cleveland, OH" or apply for Cleveland Payday Loans online in need of emergency short-term financing. No wonder, these people request instant cash as their median household income is 26150. That's why COMPACOM was designed - to help customers complete a quick and easy application form 100% online and get guaranteed approval from the best Cleveland, Ohio direct lenders.

Payday Loans Store Locations in Cleveland, OH

Advance America
Loanmax Title Loans
Loan Max Title Loans
Quickest Payday Loans
Cash Stop
Advance Pay USA
First American Loans
State Cash Advance
Loan Max
Money Mart
Easy Payday Loans
National Cash Advance
Cash Smart
Ohio Auto Loan Services, Inc.
Loan Smart Inc



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