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Apply For Quick Payday Loans in Ohio, Cleveland or Cincinnati

Harpsey is here to help you get the best payday loan in Ohio for your needs, be that $100 or up to $35,000. Whether you have bad credit or are looking for a no credit check loan option, we can match you with a lender to get a payday loan fast! From Cincinnati to Cleveland, Columbus to Youngstown, inquire today and get an instant decision.

Key Features

Loan Amounts $100 to $35,000
Loan Terms 1 to 60 Months
APR 200% to 400%
Same Day Funding Yes
Bad Credit Yes
Direct Lenders Yes
Upfront Fees No

How Much Would a $1,000 Loan Cost in Ohio?

This is a representative example. Terms vary from lender to lender.

If you borrowed $1,000 in Ohio over the course of one year, with an APR of 28%, you would repay $1,158.12.

3 Simple Steps to Get a Payday Loan in Ohio:

Step 1

Apply To Get a Loan Online Quickly

Step 2

Get A Loan Offer From A Lender

Step 3

Receive Funds Into Your Bank Account 

What Should I Consider Before Applying For A Payday Loan In Ohio?

If you find yourself with a temporary financial shortfall and will face difficulty covering your expenses until your next payday, a short-term loan might be a good way to get some fast cash. Our lenders can help build a manageable repayment plan but it would be best to think about how much you actually need to borrow before getting started.

A payday loan should be carefully considered as if you are unable to repay your loan on time, it may damage your credit score. Take time to think about how you will be covering your repayments, either from your income or your savings. It would not be sensible to use a payday loan to pay off an outstanding loan, or for general spending.

If you think a payday loan could be your best option, start your application now and let Harpsey do the hard work for you!

What Is The Criteria For a Payday Loan in Ohio, Cleveland and Cincinnati?


In order to avoid disappointment, before applying for a payday loan in Ohio you should check that you meet the criteria to be eligible for a payday loan in Ohio. These simple criteria are required to be in a chance for approval with one of our reputable lenders:

  • You must be a US resident 
  • You must be over the age of 18
  • You must be in employment  
  • You must earn a minimum of $800 per month
  • You must have a live checking account

Can I Get a Payday Loan in Ohio If I Have Bad Credit?


Yes! If you have bad credit you can still get a payday loan in Ohio. We work with a number of lenders who welcome all types of credit history. Even if you have had a previous application denied by a bank or lender in your area it is worth applying.

Applying for a loan with bad credit with Harpsey today could be the solution to finally improve your credit rating.

Do You Accept No Credit Check Loan Applications in Ohio?


There are options for loans without credit checks in Ohio through Harpsey. Our extensive search platform means we can find you a lender who could consider other factors than just your credit score. Note that for most customers, a credit check is carried out by lenders to confirm you are eligible for a payday loan. 

If you are worried about a credit check being carried out due to poor credit history, Harpsey is here to find you the best lender likely to approve you. Applying online now won’t impact your credit score and won’t leave any trace on your credit report.

How Quickly Can I Get a Payday Loan in Ohio?


We understand that you might be in an urgent financial situation and want to help you get the funds you need as quickly as possible. Completing the quick online process with Harpsey is the first step to take in securing the money that could tide you over until your next paycheck. 

Our simple online form takes just 5 minutes to complete! After filling in the information including your employment status, address and how much you are looking to borrow, you will have an instant offer on your screen. If approved, the loan can be paid into your checking account within 1 hour or up to 24 hours!

How Do Repayments Work For Payday Loans in Ohio, Cincinnati and Cleveland?


The terms of your loan and how you will repay it will be agreed upon with your chosen lender. Depending on the amount you borrow, there are options to repay your payday loan over a period of 2 weeks or up to 5 years! For larger loans, 

Failing to meet the agreed payment deadline could mean that interest is added to your loan and could have a negative effect on your credit score. There is always the option to pay off your loan early, which could help to save you money on your loan interest. Make sure you are confident in your payday loan repayments.

What Happens If I Cannot Repay My Loan in Ohio?


Payday loans in Ohio can quickly become an expensive form of borrowing if you cannot repay it.

If you think you will struggle to make a repayment for your payday loan it is important to contact your lender immediately. They might be understanding of your situation and help to come up with a more manageable repayment plan, saving you from facing damage to your credit score.

Where Can I Get a Payday Loan In Ohio?

We believe that where you live should not affect your ability to get a payday loan. Our fully online process means getting a payday loan in Ohio couldn’t be easier – you don’t even need to leave the house! We search for the most competitive payday loans for you all across Ohio state. If you live in a town or city below, or anywhere else in Ohio, click ‘Get Started Now’:

Our simple online form takes just 5 minutes to complete! After filling in the information including your employment status, address and how much you are looking to borrow, you will have an instant offer on your screen. If approved, the loan can be paid into your checking account within 1 hour or up to 24 hours!

  • Akron
  • Alliance
  • Amelia
  • Archbold
  • Ashland
  • Ashtabula
  • Ashville
  • Athens
  • Barberton
  • Barnesville
  • Bedford
  • Bellaire
  • Bellefontaine
  • Bellevue
  • Beloit
  • Belpre
  • Bowling Green
  • Bridgeport
  • Brook Park
  • Brookfield
  • Brunswick
  • Bryan
  • Bucyrus
  • Cadiz
  • Columbus
  • Cleveland
  • Cincinnati
  • Dayton
  • Defiance
  • Delaware
  • Delphos
  • Dover
  • Dublin
  • East Liverpool
  • East Palestine
  • Eaton
  • Elyria
  • Englewood
  • Euclid
  • Fairborn
  • Fairfield
  • Fairlawn
  • Findlay
  • Galion
  • Gallipolis
  • Galloway
  • Garrettsville
  • Geneva
  • Genoa
  • Georgetown
  • Glandorf
  • Goshen
  • Granville
  • Greenfield
  • Greenville
  • Grove City
  • Hamilton
  • Harrison
  • Hartville
  • Heath
  • Hilliard
  • Hillsboro
  • Holland
  • Hubbard
  • Independence
  • Ironton
  • Jackson
  • Johnstown
  • Kent
  • Kenton
  • Lake Milton
  • Lakewood
  • Lancaster
  • Lebanon
  • Lima
  • Lisbon
  • Lockbourne
  • Lodi
  • Logan
  • London
  • Lorain
  • Loudonville
  • Louisville
  • Loveland
  • Lucas
  • Lucasville
  • Madison
  • Mansfield
  • Maple Heights
  • Marietta
  • Marion
  • Martins Ferry
  • Marysville
  • Mason
  • Massillon
  • Masury
  • Medina
  • Mentor
  • Miamisburg
  • Middletown
  • Milford
  • Millersburg
  • Mount Gilead
  • Mount Orab
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  • Mount Vernon
  • Napoleon
  • Nelsonville
  • New Boston
  • New Carlisle
  • New Lebanon
  • New Lexington
  • New Philadelphia
  • Newark
  • Newport
  • Newton Falls
  • Niles
  • North Canton
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  • Oregon
  • Orrville
  • Ottawa
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  • Pataskala
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  • Piqua
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  • Portsmouth
  • Powell
  • Proctorville
  • Ravenna
  • Reynoldsburg
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  • Saint Clairsville
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  • Sardis
  • Shadyside
  • Shelby
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  • Sonora
  • South Point
  • Springboro
  • Springfield
  • Steubenville
  • Stow
  • Streetsboro
  • Swanton
  • Sylvania
  • Tallmadge
  • The Plains
  • Tiffin
  • Tipp City
  • Toledo
  • Trotwood
  • Troy
  • Uhrichsville
  • Urbana
  • Van Wert
  • Vandalia
  • Wadsworth
  • Wapakoneta
  • Warren
  • Warrensville Heights
  • Washington Twp
  • Washington Court House
  • Wauseon
  • Waverly
  • Wellington
  • Wellston
  • West Jefferson
  • West Union
  • Westerville
  • Wheelersburg
  • Wickliffe
  • Willard
  • Willoughby
  • Willowick
  • Wilmington
  • Wooster
  • Xenia
  • Youngstown
  • Zanesville


Harpsey helps to secure loans from $100 to $35,000. The state of Ohio has a payday loan limit of $1,000 per loan. 

No. Harpsey is a broker. We work to find you the best lender in Ohio based on your financial situation.

The maximum interest rate in Ohio is 138%. This cap is a limit on how much interest lenders are allowed to charge borrowers for taking out a payday loan.

Yes! As long as you can earn a minimum of $800 per month and have stable employment and meet the other criteria, you are are eligible for a payday loan.

You can only take out 1 payday loan at a time in Ohio. However, once this loan is paid back, you are allowed to take out another one if you need to.

Yes! You are often able to repay your loan early in Ohio. However, this will depend on the terms and conditions set out by the lender that you have chosen. It is always important to check with your lender whether you have the option to repay early.