Ohio Payday Loans
- Apply online or at our stores
- Borrow up to $1,000 fast
- Same-day funding options
- Easy to repay in installments
- Loans from a trusted direct lender
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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1F Cash Advance Makes It Easy to Get Online Loans in Ohio
Start your application process now and get your money as soon as today.
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Apply online. Fill out our simple form in just 5 minutes. It's available 24/7 on the website.
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Get approved. You will get the answer within minutes due to our quick verification process.
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Receive the funds. If approved, you will get a direct deposit in your bank account on the same day* of approval.
*Applications originated before 10:30 am ET Monday to Friday will be funded on the same day. Approvals after 10:30 am ET will be processed on the next business day.
Who Is Eligible?
There are just a few simple requirements you need to comply with to qualify for a short-term loan with 1F Cash Advance:
- Be at least 18 years old
- Provide valid government-issued ID and SSN
- Have an active bank account in your name
- Provide proof of regular income
- Verify your Ohio address
- Specify your contact details
Ohio Rates & Terms
Below are key features and cost examples for short-term loans available to 1F Cash Advance customers in Ohio:
- Loan Amounts: Up to $1,000
- Loan Terms: Up to 12 months
- Permissible Fees: Customers will be charged interest plus a maintenance fee of 10% of the loan amount or $30, whichever is less. Additionally, an origination fee of 2% of the loan amount may apply to loans of $500 or more. The law caps all fees and charges at 60% of the originally contracted loan amount.
Cost Examples
| Loan Amount | Interest | Maintenance Fee (for 3 months) | Origination Fee | Total Finance Charge | Monthly Payment (3 payments) | Total Cost | APR (for 91 days) |
|---|---|---|---|---|---|---|---|
| $100 | $4.7 | $30 | $0 | $34.7 | $44.9 | $134.7 | 198.17% |
| $300 | $14.1 | $90 | $0 | $104.1 | $134.7 | $424.04 | 198.17% |
| $500 | $23.51 | $90 | $10 | $123.51 | $207.84 | $623.51 | 142.87% |
For more information, check out our payday loan FAQ and license details.
Visit 1F Cash Advance in Ohio
Looking for personalized assistance? Visit one of our OH stores, and let our team help you with each step of the process.
Not in Ohio? Find our store near you! We operate nationwide and are always here to assist you online and at our locations.
Our Loan Services in Ohio
We offer fast and easy cash loans to meet your urgent money needs.
Payday Loans
A payday loan helps cover small expenses and is perfect for situations where you need immediate cash for an emergency. You can borrow up to $1,000 and repay the funds over time. We fully comply with Ohio payday loan laws to offer you competitive rates and terms.
Installment Loans
Our installment loans in Ohio allow you to borrow up to $5,000 with the ability to repay in affordable monthly payments over time. These loans suit more significant purchases and life events, such as home repairs, medical expenses, debt consolidation, vacations, and more.
Personal Loans
A personal loan provides affordable financing for your big life projects. Get up to $15,000 for up to 60 months and use the funds for your long-term needs. This loan can be a great solution for people who are looking for a higher loan amount with more repayment flexibility.
Disclaimer: Short-term loans are subject to approval based on your financial and application details. Approval is not guaranteed. You are under no obligation to accept any loan offers and may decline after reviewing the terms. Please note that short-term loans carry high interest rates and are not intended as a long-term financial solution. Borrowers facing credit challenges are encouraged to seek credit counseling.
Why Choose 1F Cash Advance
1F Cash Advance provides affordable bad credit loans in Ohio that fit your situation and budget. Here’s why our customers choose us:
It's Easy
You can apply online from the comfort of your home 24/7 and get the money you need when you need it. Our paperless process will only take you five minutes.
It's Safe
Your data is protected by the encryption technologies we use. We adhere to modern security standards and do not share your sensitive information with unaffiliated third parties.
It's Fast
We know that emergencies happen when you don't expect them. We offer same-day funding options to help you overcome them once they appear and avoid stress.
We're Proud to Serve Our Customers
exceptional service
had a really good time at 1f cash Advance explained everything to me in a way I understood also gave me some awesome tips on managing loans that I never wouldve thought of myself and just exceptional service!
expected getting a loan to be tiring
expected getting a loan to be tiring, but Dove made it smooth and stress-less and their chill attitude and expertise made a difference she even shared practical ideas on budgeting and staying on top of payments.
Taking this loan out went way smoother…
Taking this loan out went way smoother than I thought managers weren’t just professional but also pretty friendly, which made the whole thing less nerve-wracking their advice on handling the payments and keeping my credit solid was useful too. Its cool to see a finance place act like real people for a change!
recommend
if your looking to get a loan, I’d recommend going to check this place out for sure. The folks there are friendlier than your cousin Jed, and they’ll give you real solid advice on budgeting and dealing with debt that makes sense. They turned what couldve been a real stressful thing into a nice casual chat between friends
I’m very happy.
Their customer service really stood out. I had a question about repayment terms, and they explained everything in detail without making me feel pressured. I’m very happy with my experience.
FAQ
How much do Ohio payday loans cost?
State law caps the maximum interest rate on short-term loans at 28% APR. Interest does not include the monthly maintenance fees and the loan origination fee. The total fees and charges can't exceed 60% of the originally contracted loan amount.
Do online loans hurt my credit?
Ohio residents can get the money they need with no credit check via major credit bureaus. Your loan eligibility is determined based on your income, debts, and payment history. Our verification process only involves a soft check via third-party agencies, which doesn't affect your FICO rating.
How can I contact Customer Support?
Our customer support team is always here to help! You can call our representatives at (614) 412-0291, email us at [email protected], or send a message via a feedback form on the website.
Can I get approved for an online loan with less-than-perfect credit?
Our online loans come with no denial based on your FICO rating. We assess your overall financial situation and look at your ability to repay rather than your past credit issues.