loans in Ohio for bad credit
loans in Ohio for bad credit

Online Payday Loans in Ohio

  • Easy Application Process
  • Quick Loans Up to $1,000
  • Reliable Direct Lenders in OH
  • Loans for Bad Credit
  • No Hard Credit Check
  • Online Installment Loans
Written by Latoria Williams

Advertiser Disclaimer


1F Cash Advance is a financial platform that doesn’t offer loans. We connect you to potential lenders but don’t promise you'll get approved for a loan. The terms, rates, and fees may be discussed with the lender you were approved with. We recommend getting advice from a financial expert about dealing with money struggles without risky loans. For more information, read our full Legal Disclaimer.

Advertiser Disclaimer


1F Cash Advance is a financial platform that doesn’t offer loans. We connect you to potential lenders but don’t promise you'll get approved for a loan. The terms, rates, and fees may be discussed with the lender you were approved with. We recommend getting advice from a financial expert about dealing with money struggles without risky loans. For more information, read our full Legal Disclaimer.

Ohio payday loans are small loans that need to be repaid within several months to a year. You can submit a loan application online in under 5 minutes. Since most applicants resort to these cash advance loans for emergency expenses, they come with no teletrack and no credit check via major credit bureaus. This makes them fast and easy to obtain, even with bad credit. If you are approved via 1F Cash Advance, you may get a short-term loan by the end of the same or next day.

1F Cash Advance Ohio Loans

Ohio residents can get small loans online via the website, even with horrible credit. You can apply from anywhere at any time and get an approval decision in about 1 hour. Our direct lenders typically transfer the funds within one business day. If the circumstances are favorable, you may get a same-day deposit. Here are loan options available through 1F Cash Advance:

Payday Cash Advances

We offer payday loans of up to $1,000, available to candidates with any credit. The repayment should be made in full on the agreed-upon day, which is typically tied to your pay date. Approved borrowers get the money in their bank account within 1 business day via a direct deposit into their bank account.

Installment Loans

These loans come with amounts of up to $5,000, which you can then repay in fixed monthly installments within 12 to 24 months. Our borrowers can access installment loans online or at any of our retail locations.

Check Cashing

Wondering where to find a check cashing location near you? Try one of our branches. Check cashing is one of the services available at most of our in-store facilities. It usually takes about an hour of approval for funding.

Ohio Rates and Terms

Ohio laws say payday loans in the state can’t be over $1,000, with the repayment terms ranging from 91 days to 12 months. The cost of loans is also regulated to protect borrowers from predatory lending practices. Since 2018, the APR (annual percentage rate) has been capped at 28%. Moreover, the total cost of the loan must be lower than 60% of the amount borrowed.

Lenders may charge a 2% origination fee. For all payday loans in Ohio with a term below 90 days, the lender must check the customer’s ability to repay (ATR). For such cases, a monthly payment cannot be more than 7% of the applicant’s net income per month or 6% of the gross income. The state prohibits rollovers on cash advance loans.

The moment you sign the contract and receive the loan amount in your bank account you become responsible for repaying your debt on time. Due to the non-standard loan terms, authorizing your lender to automatically withdraw the loan amount on the due date is a safe way to keep your part of the agreement.

Representative Examples

The table below serves as an example for informative purposes only. The values will vary, depending on the lender, your specific case, as well as state regulation updates. Additional fees may also apply.

Loan principal Amount to repay Term APR
$100 $104.7 91 days 28%
$200 $209.41 91 days 28%
$400 $418.81 91 days 28%
$600 $628.22 91 days 28%
$1,000 $1,047.03 91 days 28%

How Do Loans Work with 1F Cash Advance?

Applying for a loan via 1F Cash Advance will only take around five minutes. Our process is highly intuitive. Get your short-term loan from the comfort of your home in 3 easy steps:

  • Apply. Fill out and submit the application. Specify the basic personal and financial details required to make an approval decision.

  • Get approval. You will receive an email with the response within 1 hour or less. If approved, pay attention to the interest rate, APR, and other finance charges specified in your loan agreement. Then, e-sign the contract if the terms suit you.

  • Receive your funds. Once you accept the offer, the money will be deposited into your bank account within the same or next day.

Before applying, make sure you can repay the amount borrowed plus interest on time. Being responsible about your payment will prevent further consequences, such as extra fees and credit score damages. Moreover, this will increase your chances of getting better loan terms in the future.

get a quick online loan in Ohio

Why Get Online Payday Loans in Ohio?

Payday loans are for emergencies. Their simple application process and the absence of hard credit checks make them fast and available to people with poor credit scores. Most customers apply for a payday loan for one of the following reasons:

  • Pay for rent or utilities;
  • Buy prime necessity items, such as groceries;
  • Deal with unexpected home or car repair works;
  • Fund emergency travel expenses;
  • Finance medical expenses or make any other urgent payment.

As lenders usually set no restrictions, you can use money for any needs you have. However, keep in mind that payday loans should not be used as a long-term solution.

The Advantages of Online Payday Loans from 1F Cash Advance

Ohio residents find online payday loans offered through 1F Cash Advance convenient for several reasons:

  • Easy application. The process takes a few minutes. Moreover, applicants who get approved before 10:30 AM on weekdays often report same-day deposits.
  • Fast credit check. Unlike traditional loans, online lenders will only run a soft credit check, which is made fast without affecting your FICO score.
  • Automated repayment. Once you sign the loan agreement, you authorize the lender to automatically withdraw the funds from your bank account. This minimizes the risk of late payments and penalties.
  • Bad credit friendly options. Borrowers with any credit background can qualify as long as they can demonstrate their ability to repay the funds.
  • Legality. We work in compliance with all the state laws and regulations to ensure our borrowers are protected from any illegal actions.
  • Exceptional customer service. We work with customers in mind and so our best to ensure your smooth borrowing experience.

How to Get Approved for an Ohio Short-Term Loan?

1F Cash Advance makes it easy to qualify for small, short-term loans for Ohio residents. You just need to meet the main eligibility criteria:

  • Provide valid identification to prove that you at least 18;
  • Have an active banking account (a checking account will work);
  • Be a US citizen or a permanent resident;
  • Provide your contact details (a phone number and email address) for communication purposes;
  • Have a steady job and a recurring source of income;

Take note that lenders may require additional information and verification before granting any loan products. Ensure the data you provide is factual. Alternative income sources may also qualify.

Can I Get a Cash Advance Without a Credit Check?

When you apply for loans through 1F Cash Advance, you undergo a soft credit check, which doesn’t affect your credit score. The check is a part of our responsible lending practice and is made to ensure you can repay the loan on time. Even if you have bad credit, worry not. We are more focused on your income and how it compares to your current financial obligations.

However, cash advance loans may affect your credit history under certain conditions. For example, late payments may be reported to credit bureaus, resulting in a credit score drop.

How Can I Find Reliable Payday Loans Near Me?

When looking for a reliable lender to borrow money from, check if they have a license, a physical address, and positive reviews. To simplify the process, you’re welcome to apply online through 1F Cash Advance. We can help you access multiple offers from trusted lenders at a time. This will save you time and effort, as we have already reviewed our partners to ensure they are legitimate and customer-friendly.

Why Apply with 1F Cash Advance?

Applying for a loan through us is fast and secure. Some of the main benefits include, but are not limited, to the following:

  • No faxing. The application process is optimized to the clients’ convenience. Submitting a request online doesn’t involve any paperwork.
  • No teletrack. No credit? Bad credit? We are happy to help everyone! There are no hard inquiries that affect your credit score and make it a determining factor.
  • Unemployed-people-friendly. If you have no job but receive regular, verifiable income, you can still qualify.
  • Minimum qualification requirements. You’ll see how straightforward the application form is. You will find out shortly by only adding a few details if you qualify.
  • Safe connection. We ensure a secure connection when you submit your details for an online cash advance.
  • Maximum outreach. Once you submit your loan request, it goes to our entire network of active lenders licensed to operate in Ohio. This maximizes your chances of approval.
  • Direct lenders only. When you apply online, you will only be in contact with a direct service provider. This will help you avoid third-party fees and get your loan faster.

In-Store Payday Loans in Ohio

Do you need an instant decision on your payday loan application? Visit our store location in Ohio. Our branch manager will gladly provide you with a decision on the spot. If you have any additional questions or concerns about cash advance loans, our local team will assist you right away. If you bring all the required documents and qualify for a loan before 10:30 AM on a weekday, you may receive the money on the same day.

Payday loans in Columbus, Ohio
Cash advances in Columbus, OH
installment loans in Ohio

1F Cash Advance Payday Loans Store Location in Columbus, Ohio

payday loans store in Columbus, OH

Branch name: 1F Cash Advance Ohio

Address: 1166 S Kenny Centre Mall, Columbus, OH 43220

Phone: (614) 412-0291

Email: [email protected]

Branch Manager: Viola Joachim

Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed

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Get to a Nearby Loan Store

Get your small cash advance at our Ohio store locations. Not in Ohio? No worries. Check out our stores in California, Florida, Illinois, Missouri, New Jersey, Tennessee, Texas, Wisconsin, Wyoming.


How can I verify if a lender is licensed in Ohio?

You can check for the lenders’ credentials via the Division of Financial Institutions eLicense Center, one by one. Alternatively, you can apply via our website. The lenders we work with are all licensed to provide payday loan services on the territory of Ohio.

What is the maximum loan amount that I can get in Ohio?

Ohio state regulations forbid payday loans for more than $1,000 per borrower. Additionally, you cannot have more than $2,500 in total debt from all lenders.

How can I find direct lenders that are currently open near me?

The easiest way of finding a direct lender is by applying for a loan online. Fill out the form on our website and expect a loan decision from top service providers.

Online application is available to residents of Columbus, Cleveland, Cincinnati, Toledo, Akron, Dayton, Parma, Canton, Lorain, Hamilton, Youngstown, Springfield, Kettering, Elyria, and other Ohio cities.

What is the easiest loan Ohio residents can get online?

The most accessible loan to get online is a payday loan. However, it may not fit your individual needs due to limited loan amounts and short repayment terms. If you’re looking for a longer-term solution, installment loans may help. Before deciding on the loan type, consider the total cost in fees, interest, APR, and your monthly payments.

How fast will I get the money transfer for a payday loan?

Lenders usually make a direct deposit into your bank account within one workday after you sign the agreement. Sometimes, borrowers receive their funds on the same day they apply. This typically happens to those approved before 10:30 AM on a weekday.

Can I have two payday loans at the same time in Ohio?

No, the state of Ohio prohibits having more than one payday loan at a time. You may try other services to get money, like a personal or a title loan. Ohio installment loans may work for you, especially if you need to borrow more than $1,000.

Are there any payday loans open over the weekend in Ohio?

Payday lending organizations don't typically work on weekends. However, you can browse nearby locations and check for a physical store open on Saturday or Sunday. Alternatively, submit a request on our website. You can access it 24/7.