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Payday Loans in Ohio — Laws, Limits & Online Lenders

Compare licensed payday lenders in Ohio. One application, multiple offers, no credit impact.

1 Apply in Minutes
2 Compare Offers
3 Get Funded

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Ohio Payday Loan Laws at a Glance

Max Loan Amount $1,000
Max APR 28%
Max Term 12 months minimum
Rollovers Prohibited
Cooling-Off Period None
Governing Statute Ohio Rev. Code § 1321.35 (Short-Term Loan Act)
Note: Converted to installment model in 2018 reform. 28% APR + fees.

How to Get a Payday Loan in Ohio

Getting a payday loan in Ohio is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Ohio-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Ohio Borrowers

  • Must be 18 years or older (resident of Ohio)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

Check Your Rate in Ohio — No Credit Impact

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What to Know Before Borrowing in Ohio

Under Ohio Rev. Code § 1321.35 (Short-Term Loan Act), payday lenders in Ohio may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Ohio may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Ohio and other state payday loan laws.

Payday Loans by City in Ohio

Select your city for local payday loan information, lender options, and Ohio regulations that apply to your area.

Columbus Cleveland Cincinnati Toledo Springfield Akron Dayton Canton Youngstown Lorain Hamilton Kettering Elyria Lakewood Parma Mansfield

Ohio Payday Loan FAQ

Are payday loans legal in Ohio?

Yes. Payday loans are legal in Ohio under Ohio Rev. Code § 1321.35 (Short-Term Loan Act). Lenders must be licensed by the state banking regulator.

How much can I borrow in Ohio?

The maximum payday loan amount in Ohio is $1,000. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Ohio?

The maximum APR for payday loans in Ohio is approximately 28%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Ohio?

Prohibited

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