Representative Example:
On an assumed loan amount of $500 over 3 months. Representative 400% APR. Total repayment amount $864.87. 3 monthly payments of $288.29.
Find The Best Payday Loans in Ohio OH.
If you are looking for Ohio payday loans including Akron, Columbus, Cincinnati, Cleveland, Capital Bean is here to offer a completely online application process! Complete our form in less than 5 minutes and get an instant approval on the screen. Borrow $300, $500 or $1,000, or more, with bad credit and no credit check options available. Simply click on the 'Get Started' button below.
How Do I Apply For A Loan Online?
Step 1
Apply Online
Use our 100% free online form to apply in less than 5 minutes.
Step 2
Instant Decision
You will receive an instant decision on screen from one of our lending partners who will offer the best rates.
Step 3
Receive Money
You have already provided your bank account details so within 1 hour, the same day or the next business day you will get your funds.
Can Capital Bean Help Me Find Payday Loans Ohio?
If you are based anywhere in the state of Ohio, our online application process will match your loan requirements with the best lender to suit your personal requirements. There are no fees for applying and it will not impact your credit score in anyway.
Our loan application form takes less than 5 minutes to complete and you can receive an instant decision on the screen. If approved, you can receive funds into your bank account within 1 hour, 24 hours or next business day. Simple!
Am I Eligible For A Loan In Ohio?
If you want to get a payday loan in Ohio then you need to meet certain criteria. The criteria are:
- A U.S citizen
- 18 years or older (born 2004 or after)
- Minimum monthly income of at least $800
- Have a working cell phone
- Be able to afford monthly repayments
- We consider bad credit histories
- Have an open checking account to receive your money
- We consider loans in Akron, Cleaveland and Toledo too
How To Get Your Cash Now
Is An Online Payday Loans Ohio The Right Product For Me?
Many of our borrowers work with Capital Bean to help them get through short-term financial problems like a burst pipe or an unexpected medical expense. Once your application has been approved by our panel, the funds could be in your bank account in less than an hour.
Capital Bean helps people in Ohio find a payday loan with the best options
- Decisions are made instantly
- Flexible repayment terms
- Poor credit is considered
- Online loan request form – apply within 5 minutes
Payday loans are designed for short-term, emergency expenses only. If you are looking for extra cash to spend on shopping, entertainment or gambling, payday loans are not the answer. For people with long-term financial problems, payday loans are not the right option as they can worsen debt problems.
Always read the lender’s terms and conditions carefully to make sure you can afford this loan over the time period requested. If you are unable to meet a repayment on the due date for any reason, this will increase the amount of interest you have to pay and could negatively impact your credit score.
Is It Legal To Get An Ohio Payday Loan?
Yes – payday loans are legal in Ohio and have a capped interest rate of 28% each year. See the full list of rules and regulations below.
| Legal Status |
Legal
|
| Interest Rate (APR) | 28% |
| Maximum Loan Amount | $1,000 |
| Minimum Loan Term |
91 days
|
| Maximum Loan Term |
1 year
|
| Number of Rollovers | 0 |
| Number of Outstanding Loans | 0 |
| Restrictions |
No more than $2,500 borrowed amount from all lenders
|
| Finance Charges | 28% |
| Statute of Limitations |
8 years (from the last payment)
|
| Database Loan Tracking | No |
Reference: NCSL
Where Can I Get A Payday Loan in Ohio?
Capital Bean is a loan’s broker service which means that we work with lenders across Ohio and the whole of the U.S. Working as a brokerage service means that we can find you a loan in the city or town that you live in, or make sure that it is 100% online. We offer a completely digital experience meaning you can apply and get your money online – all without leaving your house. We offer loans in:
- Columbus
- Cleveland
- Cincinnati
- Toledo
- Akron
- Dayton
- Parma
- Canton
- Lorain
- Hamilton
- Youngstown
- Springfield
- Kettering
- Elyria
- Middletown
- Cuyahoga Falls
- Newark
- Lakewood
- Dublin
- Euclid
- Mansfield
- Mentor
- Beavercreek
- Strongsville
- Cleveland Heights
- Fairfield
- Huber Heights
- Delaware
- Grove City
- Reynoldsburg
- Lancaster
- Findlay
- Warren
- Westerville
- Hilliard
- Upper Arlington
- North Ridgeville
- Lima and Marion
- Gahanna
- Brunswick
- Mason
- Fairborn
- Stow
- Westlake
- Massillon
- North Olmsted
- North Royalton
- Bowling Green
- Austintown
- Garfield Heights
- Shaker Heights
- Kent
- Green
- Wooster
- Troy
- Marysville
- Medina
- Avon Lake
- Xenia
- Avon
- Perrysburg
- Barberton
- Sandusky
- Centerville
- Zanesville
- Riverside
- Athens
- Wadsworth
- Pickerington
- Solon
- Willoughby
- Maple Heights
- Hudson
- Trotwood
- Oxford
- Chillicothe
- Alliance
- South Euclid
- Rocky River
- Lebanon
- Painesville
- Parma Heights
- Piqua
- Sidney
- Whitehall
- Mayfield Heights
- Forest Park
- Oregon
- Miamisburg
- Broadview Heights
- Twinsburg
- Ashland
- Springboro
- Sylvania
- Norwood
- Berea
- Niles
- White Oak
- Brook Park
- Tallmadge
- Pataskala
- Portsmouth
- Steubenville
- Ashtabula
- North Canton
- Tiffin
- Streetsboro
- New Philadelphia
- Eastlake
- Aurora
- East Cleveland
- Fostoria
- Cambridge
- Campbell
- Nelsonville
- Crestline
- Marietta
- Warrensville Heights
- East Liverpool
- Lima
- Uhrichsville
Can I Get A Payday Loan In Ohio?
To save time and disappointment, always check whether you are eligible for a loan before using the online request form. To take out a payday loan in Ohio, there are four key eligibility requirements. Applicants must be residents of the US and at least 18 years old. Borrowers will need to demonstrate a monthly income of at least $800. Finally, you must have an active checking account where your payday loan can be paid into.
How To Apply For A Payday Loan In Ohio
The application process for Ohio payday loans is 100% online. This means that with Capital Bean you can get up to $35,000 today from your phone or tablet in the comfort of your own house. Our application process can be completed in under 5 minutes and the decision is made instantly by our lenders.
We aim to make the payday loan process as quick and easy as possible meaning that you could have the money in your account in less than 60 minutes!
At Capital Bean, we understand the need for speed. When you’re met with unexpected expenses, your main priority is getting quick and safe access to money. That is why with our fast, online application, we can get you approved within minutes and get funds to you in under an hour!
If you are experiencing long-term financial problems or looking to take out money over a long period of time, payday loans are probably not the answer. Always read the lender’s terms and conditions before making an application and make sure that you are taking out the loan for the right reason.
Can I Get An Ohio Payday Loan If I Have Very Bad Credit?
Yes – you can still find a payday loan in the state of Ohio if you have bad credit. Even if you’ve been turned down by an app or credit union or bank in the past for your bad credit you can still apply. You might have made a mistake in the past that has impacted your credit score, but we at Capital Bean believe you should always have the opportunity to rebuild your financial strength. Working with borrowers from all backgrounds, Capital Bean can help you get started today to find the right payday loan for you.
How Can I Find A Payday Loan In Ohio?
The application process for Ohio payday loans is 100% online. This means that with Capital Bean you can get up to $35,000 today from your phone or tablet in the comfort of your own house. Our application process can be completed in under 5 minutes and the decision is made instantly by our lenders.
We aim to make the payday loan process as quick and easy as possible meaning that you could have the money in your account in less than 60 minutes!
At Capital Bean, we understand the need for speed. When you’re met with unexpected expenses, your main priority is getting quick and safe access to money. That is why with our fast, online application, we can get you approved within minutes and get funds to you in under an hour!
If you are experiencing long-term financial problems or looking to take out money over a long period of time, payday loans are probably not the answer. Always read the lender’s terms and conditions before making an application and make sure that you are taking out the loan for the right reason.
What Are The Repayment Terms Of A Payday Loan In Ohio?
The terms and conditions of your loan will vary depending on which lender you decide to work with. If you’re taking out a small loan ($1,000 or less) we find that the most common repayment time frame is two to four weeks.
If you’re borrowing over $1,000 (up to $35,000) these payments are usually spread over a longer period of time.
In Ohio, the limit for loan terms is between 91 days to 1 year. Only one loan is allowed at a time and no rollovers are allowed.
If for any reason you struggle to pay back the loan amount,this could impact the amount of interest you need to pay and could negatively impact your credit rating in the long term.
What Is The Process To Request A Loan In Ohio?
Start the process today by clicking on the ‘get started’ button below. This will take you straight to the online form. Answer some simple questions about how much you wish to borrow and over how much time. You will also be asked for a few personal details including your income, monthly expenditure and employment status.
How Fast Can I Get A Payday Loan In Columbus, Cleveland Or Cincinnati?
If you complete our 100% online request form, you can receive a decision about your loan approval in minutes. Successful applications could even receive the funds directly into your account on the same day.
Capital Bean aims to make the process as fast and straightforward as possible. That is why we work with multiple lenders across Ohio to help get the money to you as quickly as possible. Successful applications can receive money from the lender straight into their account in as little as an hour.
To speed up the process and to help you get fast access to funds, make sure you have relevant information ready to fill out the form such as your bank account details. If you are wanting to receive the decision as quickly as possible, make sure to submit your application during Ohio working hours as this is when the majority of loans are approved. Being able to respond quickly to any queries or document requests will make it more likely that your loan is approved.
Frequently Asked Questions for Payday Loans in Ohio
What’s the maximum and minimum I can borrow?
Payday loan amounts range from $100 to $35,000 although Ohio state law prohibits loans of more than $1000.
If I have bad credit can I still get a payday loan?
Absolutely, yes. Capital Bean works with a wide range of people with different credit histories. This also includes those that have a bad credit history or score.
What’s the maximum and minimum duration of a loan?
At Capital Bean you can borrow to be repaid over a maximum period of 5 years. Some of our shortest loans are repaid in 2 weeks depending on the amount.
Is Capital Bean a lender?
Capital Bean is a broker, meaning that we will not pay you the funds directly but instead work with our panel of lenders to get you the best possible rate in Colorado. We will pass your details on to the lender that is best suited to your circumstances. This means the best interest rates and best repayment terms.
How much does it cost to submit a payday loan request in Ohio?
There are no fees to submit a payday loan request in Ohio via Capital Bean’s online application service.
How quickly can I get the funds through?
If you’re approved you could have the funds in as little as an hour. So if you’re looking to get money through on the same day then Capital Bean could be the right partner for you.
