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Payday Loans in Columbus, Ohio

Payday Loans in Columbus, Ohio


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

Obtain cash loans in Columbus, Ohio, with no credit check required. With payday advance in Columbus, Ohio, you can get quick cash. Approval for a fast cash advance is possible regardless of your credit score. Simply complete a secure application form online, and receive a decision from trustworthy lending companies in a few minutes.

Need emergency cash? Consider applying for quick Ohio Payday Loans Online with no credit check required. Bad credit won't be a problem for approval. Financing is likely to be granted within 1 - 2 business days.


Apply for online payday loans and get instant decision from the best Columbus lending organization


Rates last updated March 28th, 2023


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

Are Payday Loans Legal in Columbus, 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 status legal
MIN Loan Amount $100
MAX Loan Amount $500
MIN. Loan Term 14 days
MAX. Loan Term 31 days
MIN APR Varies by lender
Additional fees None
NSF fee None
Collateral or guarantor None, unsecured
Number of simultaneous loans 1
Cooling off period 90 days
Rollover Not allowed
Extension, repayment plan One repayment plan
Default penalties Maximum $20 collection charge
Credit score requirements Available for Bad Credit
Apply online

How to Take Online Payday Loans in Columbus, Ohio?

Taking out a payday loan in Columbus takes a few simple steps. Consider the following steps to get a quick online payday loan:

  • Go to the lender's website and select the needed amount and repayment period.
  • Read the terms and conditions of the offer, especially repayment details and possible fees associated.
  • Complete the application form. Provide all required personal information and consent to the processing.
  • Verify your identity.
  • Sign the loan terms if you agree.
  • The money will be deposited directly to your verified account. Pay off the loan by the repayment schedule.


How to Apply for Payday Loans in Columbus, Ohio Online?

Applying for a cash advance in Columbus, Ohio is a straightforward process. You just need to ensure you meet the eligibility requirements:

  • At least 18 years old;
  • ID card and permanent residence in Columbus, OH;
  • U.S. nationality;
  • Steady source of income;
  • mobile phone;
  • personal banking account.

To get a payday loan in Columbus, OH, you must complete a safe and secure application form on the lender's website. Double-check the form to avoid errors and take the chances of approval to the maximum. The entire borrowing process is conducted online.


What are the Benefits of Columbus Payday Loans?

Why choose payday loans in Columbus, OH? Minimum formalities are required to get a payday loan online. In addition, the application process is quick and easy. So is the loan decision – 15 minutes is usually enough to get the funds. Typically, no collateral is required for payday loans in Columbus.

Lastly, taking out a loan in Columbus, Ohio is fast and transparent if you choose trustworthy direct lenders. The repayment terms are flexible, but it is needed to repay the loan in one installment. Make sure you understand the terms of the loan before signing any agreement.


What Is Considered Proof of Income in Columbus, OH?

Online payday lenders are flexible in terms of the source of income. You can easily take out a loan if you have a stable source of income, such as a disability pension, alimony, or child support. Some other possible options are pensions, self-employment, unemployment benefits, and settlement payments.

Information about your employment must be provided in the statement when filling out the loan application.


Can I Get Bad Credit Loans in Columbus, OH?

Requirements for a payday loan are various depending on the lender. But when considering online loan options there are many for poor credit. Ensure you meet minimum requirements, otherwise, your loan application may be declined, even if you have a good credit score. Avoid high-cost loans for bad credit as a last resort. Consider online payday loans with no credit check.



Payday loans are an affordable emergency tool for individuals who need immediate cash in. Borrowers in Columbus, Ohio, can easily apply for payday loans completely online. Typically, they do not need a high credit score to be eligible for a payday loan. Quick funding is the main benefit of online payday loans with direct lenders. It can help bridge the gap when urgent expenses arise. However, be cautious when taking out these loans and make sure you can afford to repay them on time.

PayDay Loan Calculator

Select the amount for the loan you want in order to get the principal, which is the basis that we use to calculate the interest and the total cost of the cash advance.
The number of days within that you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the days by the amount of interest.
To calculate the total cost of your loan, we take the minimal average APR legal in all States, which is 36%. This figure is only a representative, providing you with general information on how much the loan may cost. To find out a more accurate total, fill in the Annual Percentage Rate required by the lender you want to apply to.
It’s the money charged by the lender for doing all the necessary paper work, bank transactions, etc., connected with lending you the money.
$ Your loan
+ $ Your fee
= $ Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.

All the calculations are provided as guides only. They don’t guarantee 100% the same cost you are going to be charged but they do help you understand the overpay much better. Unless you change the APR, the calculations will be based on the average or lowest rate represented by most lenders for each loan type. You’ll find the accurate interest rate as well as the real cost of your cash advance after you get approved before you sign the agreement. It will depend on many factors including the amount, the term of the loan, your credit score and the lender’s conditions. Interest rates are not fixed figures and are subject to change at any time. As soon as you fill out an application and get approved all the details concerning the rates and terms will be sent to you.

Payday Loans Near Me in the other cities of Ohio

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

43002 43004 43016 43017 43026 43035 43054 43065 43068 43081 43082 43085 43109 43110 43119 43123 43125 43137 43147 43201 43202 43203 43204 43205 43206 43207
43209 43210 43211 43212 43213 43214 43215 43216 43217 43218 43219 43220 43221 43222 43223 43224 43226 43227 43228 43229 43230 43231 43232 43234 43235 43236 43240 43251 43260 43265 43266 43268 43270 43271 43272 43279 43287 43291

In 2023 there are 860,090 people living in Columbus, OH. According to the statistics, 51605 of them look for "Payday Loans Near Me in Columbus, OH" or apply for Columbus Payday Loans online in need of emergency short-term financing. No wonder, these people request instant cash as their median household income is 45659. 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 Columbus, Ohio direct lenders.

Payday Loans Store Locations in Columbus, OH

Cash Advance and other Money Offers in Columbus, 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.



How to qualify for online Payday Loans in Columbus, OH?


How Columbus Payday Loans online work?


Can I get a Payday Loan with bad credit in Columbus, OH?


Do Columbus lenders offer no credit check Payday Loans?


How fast can I get a Payday Loan in Columbus, OH?


Do lenders in Columbus, OH require a certificate from the employer?


How long does an online payday loan take?


Do you have to specify the purpose of a payday loan?


Can I take a payday loan at Compacom if I have a liability with another loan company?


How to sign a payday loan agreement?


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