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Find the Best Payday Loans in Cincinnati, OH

If you need cash now but your paycheck is still some time away, a payday loan can help. You can borrow same-day money and pay it back on your next payday. Whether you live in Ohio or Kentucky, we have a list of the best payday loan places in Cincinnati so you can start applying.

Top 9 Cincinnati Payday Loan Companies

Speedy Cash Read 1,826 Reviews

Obtain payday and title loans with maximum amounts that vary by state. Payday loans range from $255-$2,500 and title loans range from $300-$25,000. Check cashing and money orders also available.

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CashNetUSA Read 3,549 Reviews

Online lender offering payday loans, installment loans, and line of credit products. Can lend up to $800 with loan terms anywhere between 8 and 31 days. Borrowers apply online and receive an instant lending decision.

Silver Cloud Financial Read 291 Reviews

This company offers tribal loans for people who need access to a short-term loan due to an emergency or financial hardship. Loans range from $300-$1,000. Apply online and get your funds the next business day.

Ace Cash Express Read 405 Reviews

Payday loans in 8 states with max loan amounts $255-$1,500 and title loans in 7 states with max amounts $200-$5,000. Get cash instantly in-store or overnight with online applications. Offers 72-hour guarantee.

Advance-U-Cash Read Author Review

Offers same-day payday loans from $50 to $500 to those who live or work in Kentucky. Advances come with terms of two or four weeks. Ask how your first loan can be interest-free. No credit check.

Cash Express Read Author Review

Provides payday loans of up to $500 at four locations in Northern Kentucky. Allows customers to start an application online and pick up cash in store. Open six days a week.

Cash Plus Read Author Review

Offers short-term advance loans in as little as 15 minutes with no credit check. Requires ID, proof of income, blank personal check and latest bank statement. Gives the option to start applying online or over the phone.

CheckSmart Read Author Review

Provides in-store payday loans from $50 to $500 in Kentucky. Locations in Covington, Newport, Fort Wright, Cold Spring, Erlanger and Florence. Contact store for rates and terms.

Fast Payday Loans Inc. Cincinnati Read Author Review

Offers payday cash advances in Covington, Kentucky, to Cincinnati-area residents. Allows customers to start an application online and complete it in store. Provides loans between $100 and $500 to qualified customers.

cincinnati skyline

According to a survey from The Pew Charitable Trusts, 12 million U.S. adults use payday loans every year. People take out payday loans in Ohio and Kentucky to pay for regular expenses, like groceries, utilities, credit card bills, rent or mortgage payments, and to cover emergency costs, including car repairs or medical bills.

The number of payday loan companies in Ohio has decreased since stricter payday loan laws went into effect in Ohio in 2019, according to the Ohio Department of Commerce. Many companies still offer payday installment loans in Ohio, however, and Northern Kentucky has multiple payday loan companies. Keep reading to find out the difference between the states’ payday loan laws and what you need to apply.

Cincinnati payday loan regulations

The traditional payday loan, which comes with a short term and high interest rate, is available in Kentucky but not Ohio. A new law went into effect in Ohio in 2019 that significantly changed the rules for payday lenders in the state and made them unavailable.

The table below shows the main differences between payday loans in Ohio and Kentucky.

Maximum loan amount$1,000$500
Payment term91 days to one year, with exceptions14 to 60 days
Maximum interest/fees28% annual interest; monthly maintenance fee not exceeding lesser of 10% of loan amount or $30; overall fees capped at 60% of principal$15 per $100 borrowed; $1 data fee per transaction
Typical APR on a 14-day loanN/A417%

Payday loans in Cincinnati are regulated by the Ohio Department of Commerce Division of Financial Institutions or the Kentucky Department of Financial Institutions, depending on where the lender operates. Be sure to visit the appropriate website to check an Ohio lender’s license or a Kentucky lender’s license.

Requirements to get a payday loan in Cincinnati

Payday lenders in Ohio and Kentucky that offer quick loans require several things from borrowers. Applicants must be able to prove their identity and have a valid checking account. You don’t need good credit to apply for a payday loan in Cincinnati.

Some lenders offer online installment or payday loans in Ohio or Kentucky that let you complete an application on your computer or phone and get funds deposited directly into your checking account within one to two business days. Other payday lenders in Cincinnati ask you to visit a brick-and-mortar location to fill out an application and/or pick up your cash.

Have these items ready to complete your payday loan application:

  • Government-issued photo ID
  • Your most recent checking account statement
  • A blank check in your name
  • Proof of income (e.g., recent pay stub)

It usually only takes 15 to 30 minutes to apply for a payday loan in Cincinnati. You find out instantly if you’re approved and the size of the loan for which you qualify. Before signing for your loan, read the agreement carefully so you understand the total cost of borrowing, when your loan is due and how to repay it.

Cincinnati payday loan FAQ

What kind of loan can I get with bad credit in Cincinnati?
In Ohio, you can get a short-term loan with bad credit. In Kentucky, you can get a payday loan or installment loan with bad credit.
Can I get arrested for not paying back a payday loan in Ohio?
No, you can’t be arrested for not paying back a payday loan in Ohio. If a lender has threatened you with arrest for failing to repay a payday loan, file a complaint with the Ohio Department of Commerce and the Ohio attorney general.
What credit score is needed for a payday loan in Cincinnati?
There is no minimum credit score required for a payday loan in Cincinnati. In fact, you may be able to get a payday loan in Cincinnati with no credit check at all.

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    Cincinnati payday loan company information

    Cash Plus

    At Cash Plus, you can borrow money in as little as 15 minutes. No credit check is necessary. To apply, stop by the locally owned and operated Cincinnati store with your ID, proof of income, a blank personal check and your latest bank statement. You can also call ahead or start the application process online.

    • Address: 7428 Montgomery Road, Cincinnati, OH 45236
    • Phone: (513) 245-2274
    • Hours: M - Th: 9am - 6pm; F: 9am - 7pm; Sat: 9am - 2pm
    • Website:

    CheckSmart offers payday loans in Kentucky from $50 to $500 with terms usually from two to four weeks. To apply, visit a store in Covington, Newport, Fort Wright, Cold Spring, Erlanger or Florence. CheckSmart’s parent company, Community Choice Financial, was founded in 2011 and operates 500 financial services locations across the U.S.

    • Address: 1713 Madison Ave., Covington, KY 41011; Multiple locations
    • Phone: (859) 291-2666
    • Hours: M - F: 9am - 7pm; Sat: 9am - 4pm
    • Website:

    Advance-U-Cash provides same-day payday loans up to $500 to people who live or work in Kentucky. Customers can apply online or at a location in Florence, Newport or Alexandria using two forms of ID, a current pay stub and their most recent checking account statement. Advance-U-Cash doesn’t check credit scores. Contact the company to find out how you can get your first loan with no interest.

    • Address: 58 Carothers Road, Newport, KY 41071; Multiple locations
    • Phone: (859) 491-8885
    • Hours: M - Th: 10am - 6pm; F: 10am - 6:30pm; Sat: 9am - 4pm
    • Website:
    Cash Express

    Cash Express offers payday loans at four locations in northern Kentucky. To apply, customers need a state-issued ID, a current bank statement, their most recent pay stub, a Social Security number, proof of home address and a personal check. Start an application online and complete the process at a Cash Express store in Newport, Ludlow, Hebron or Elsmere, all open six days a week.

    • Address: 805 Monmouth St., Newport, KY 41071; Multiple locations
    • Phone: (859) 291-0547
    • Hours: M - F: 9:30am - 5:30pm; Sat: 9:30am - 2pm
    • Website:
    Fast Payday Loans Inc. Cincinnati

    Fast Payday Loans provides step-by-step instructions for the application process on its website. Customers can begin their application online and have a representative from Fast Payday Loans call them to finish the process. The final steps of the application are completed at one of four Kentucky locations, and customers walk away with $100 to $500 the same day. Customers must bring a state-issued ID, a pay stub and a blank check from an active checking account.

    • Address: 2501 Madison Ave., Covington, KY 41014
    • Phone: (859) 291-3475
    • Hours: Call for hours
    • Website:
    by Sandi Pope ConsumerAffairs Research Team

    Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.