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Find the Best Payday Loan Lenders in Cleveland, OH

If you need a payday loan in Cleveland, understand your options and alternatives. Pay attention to interest rates and fees, and consider if you want to apply online or in a store. Our partners at We researched the best payday loans in Cleveland with an online or physical presence as well as the steps necessary to get a payday loan in Cleveland.

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Compare Top Payday and Title Loans

#1 OUR FAVORITE
Overall satisfaction rating
  • Get credit up to $1,500
  • Instant lending decision
  • Get money the next day
  • Easy online application

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#2
Overall satisfaction rating
  • Payday loans up to $1,800
  • Offers installment loans
  • Next day funding
  • 5-minute application

CashNetUSA is a payday lender that offers loans to consumers in the United States. It is a part of Enova International, Inc., a publicly-traded company in the financial sector.

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CheckSmart
  • Title loans up to $10,000
  • Consumer loans up to $500
  • Tax services available
  • Prepaid debit cards
Location
14930 Puritas Ave.
Cleveland, OH 44135
(216) 941-6329
Advance America
  • Payday loans up to $1,100
  • Title loans up to $10,000
  • Apply online
  • Same day funding
Location
13708 Lorain Rd.
Cleveland, OH 44111
(216) 941-5361
National Cash Advance
  • M-Th: 10am - 6pm
  • F: 9am - 7pm
  • Sat: 9am - 2pm
  • Closed Sun
Location
5194 Pearl Rd.
Cleveland, OH 44129
(216) 739-9419
AdvancePay USA
  • M-Th: 10am - 6pm
  • F: 10am - 7pm
  • Sat: 10am - 2pm
  • Closed Sun
Location
4308 Ridge Rd.
Brooklyn, OH 44144
(216) 661-9801
Fastest Cash Advanced
  • Hours may vary
  • fastestcashadvanced.com
Location
1360 E. 9th St.
Cleveland, OH 44114
(216) 302-4004
Check 'n Go
  • M-Th: 10am - 6pm
  • F: 10am - 7pm
  • Sat: 10am - 2pm
  • Closed Sun
Location
4660 Ridge Rd.
Cleveland, OH 44144
(216) 661-8484
CashSmart
  • M-F: 8am - 7pm
  • Sat: 9am - 4pm
  • Closed Sun
  • cashsmartohio.com
Location
18320 Euclid Ave.
Cleveland, OH 44112
(216) 862-6647
Cashmax Title & Cash Loans
  • M-Th: 10am - 6pm
  • F: 9am - 7pm
  • Sat: 9am - 2pm
  • Closed Sun
Location
10800 Brookpark Rd.
Cleveland, OH 44130
(216) 362-2905
CashLand
  • M-F: 9am - 7pm
  • Sat: 9am - 5pm
  • Closed Sun
  • cashamerica.com/cashland.aspx/
Location
5750 Chevrolet Blvd.
Parma, OH 44130
(440) 842-0449

How to get a payday loan in Cleveland

cleveland door personal loans skyline

Payday loans give you cash quickly, either in a store or online. Ohio is home to an estimated 650 lenders with a physical location. The majority of lenders offer fast online approval in minutes or hours.

About 10 percent of Ohio adults have obtained a payday loan. However, you may want to consider alternatives with lower or no interest and fees. Here are some options:

  • Ask to borrow from a close friend or family member.
  • If you need cash to pay a bill, try making a payment arrangement with the company or getting extra time to pay.
  • Personal loans from local banks or credit unions may have better terms, yet may require good credit.
  • Credit unions, non-profits and community organizations now offer payday alternative loans (PALs).
  • Your employer may provide a payroll advance that you pay back on future paydays.
  • Those with a 401(k) retirement account may have a borrowing option with minimal penalties, and you pay the debt back to yourself.

Finally, a credit card cash advance is another option, although interest and fees are typically high.

Are payday loans legal in Ohio?

Yes, as of July 2018, payday loans are legal in Ohio.

What are the limits for payday loans in Ohio?

The Ohio Short Term Loan Act of 2008 implemented a maximum loan amount of $500 with a maximum term of 31 days; however, most lenders operate within the Ohio Mortgage Lending Act and are able to offer between $500 and $1,500.

Can you get a payday loan in Cleveland with bad credit?

Yes, payday loans are generally available to Cleveland residents regardless of their credit history.

Can you be sent to jail for failing to pay back the debt?

No, criminal charges are not applicable to collection activity.

Cleveland payday loan requirements

To get a payday loan in Ohio, you must complete an application and have a government-issued ID, verifiable Social Security Number, active checking account and proof of regular income. Online payday loans also require an email address. By law, the company will disclose their payday lender rates, which are regulated by the Ohio General Assembly. You may want to do comparison shopping to find lower interest payday loans.

Cleveland Payday Loans Reviews

Speedy Cash

Speedy Cash does not have physical locations in the Cleveland area, but maintains a strong online presence and promotes their ability to provide instant lending decisions. Reviews show the company is living up to its name with many customers praising their fast loan processing.

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CashNetUSA

CashNetUSA operates exclusively online, but offers their “Brokered Payday Loan” option where you will actually receive the loan through a third-party lender that they have an agreement with. Customers from Ohio find the online chat feature to be a great way of getting answers to questions.

CashNetUSA

CheckSmart

CheckSmart has more than 12 Cleveland area locations, which makes it likely they have a location convenient to your home or work. One Cleveland customer found it to be very helpful that they had a bilingual representative on hand to be sure that she understood the terms of the loan.

CheckSmart

Advance America

Advance America is a large national company that has many locations throughout the Cleveland area, offering a variety of loan products and services. Reviews from customers of their Lorain Avenue location were positive and said the staff was great.

Advance America