Payday Loans in Cincinnati, OH
at 4850 Smith Rd. suite 230, 45212
- (513) 951-8867
- 2+ years in business
- Apply in-store 8:00 am - 10:00 pm (Mon-Fri)
- Open on Saturday
- Payday loans, Installment loans
- Online application 24/7
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 Store in Cincinnati
If you’re facing an emergency expense and need quick cash relief, 1F Cash Advance is here to help. Conveniently located near the Hamilton County Board of Elections, right next to Heartland Hospice, we offer easy payday loans to Cincinnati residents when they need them most.
Whether you have bad credit or simply need a fast solution, we’ll provide an option that fits your situation. The loan process is simple and hassle-free, allowing you to get the funds on the same day with no credit check. Our friendly team is always happy to help you with your urgent money matters during convenient office hours.
- Monday8 am – 10 pm
- Tuesday8 am – 10 pm
- Wednesday8 am – 10 pm
- Thursday8 am – 10 pm
- Friday8 am – 10 pm
- Saturday9 am – 6 pm
- SundayClosed
Kenneth Turner
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Available Loan Products
At 1F Cash Advance, we provide a variety of loan options in Cincinnati, Ohio, designed for a wide range of your personal needs.
Max. amount $1,000
Our Cincinnati payday loans offer up to $1,000 with repayment terms starting at 91 days. Shorter terms are possible if payments stay under 6% of gross or 7% of net income. This option is perfect for handling unexpected expenses or urgent bills.
Max. amount $5,000
Installment loans from 1F Cash Advance range from $1,000 to $5,000, with fixed monthly payments over 2 to 24 months. This flexible repayment schedule helps you organize your finances and suits larger expenses and big purchases.
How to Get a Loan at the Cincinnati Store
Follow these steps to apply for a loan in our location:
Visit Your Local Branch
Our team ensures a smooth, hassle-free experience. The application is quick, secure, and takes just minutes.
Get an Immediate Decision
No long waits or credit checks; your application will be reviewed in about 15 minutes, and you’ll receive a decision on the spot.
Receive Your Funds
Once approved, your money will be issued in cash instantly or deposited directly into your account on the same day or next business day.*
*The loan approvals are not guaranteed. Soft credit checks will be made to assess your repayment capabilities. Same-day funding is available for applications approved before 10:30 AM on banking days. Loans originated after this time or on weekends or holidays will be processed on the next business day.
What Should I Bring to Apply?
Just provide the following documents and details when applying in-store:
- A valid government-issued ID or driver’s license
- Social Security number
- An active email address and mobile phone number
- Checking account information
- Proof of Ohio address
- Proof of income
- Your employer’s contact details
Loan Usage Notice: These loans are meant for emergencies and can be costly. Borrow only what you can comfortably repay. Use credit responsibly.
About 1F Cash Advance in Cincinnati, Ohio
1F Cash Advance has been helping Ohio residents get quick and accessible cash solutions since 2019. At our Cincinnati store, we focus on your current financial situation, not your credit score. Even with less-than-perfect credit, you still have a fair chance of approval. Besides loans, we also offer check cashing services in Cincinnati to those who need fast cash with no checking account needed.
Our team is ready to walk you through the loan process and answer any questions. We prioritize transparency and clear communication, always disclosing all loan terms upfront to build trust and provide peace of mind. With us, you can receive the funds you need within one business day while staying fully informed every step of the way. We’re a licensed loan company operating in accordance with Ohio state laws and federal guidelines. Stop by today and take the first step toward financial relief.
Find a Store Near You
If you’re not in Cincinnati, explore our loan places in other Ohio cities:
1166 S Kenny Centre Mall, Columbus, OH 43220
700 West St. Clair Avenue #318, Cleveland, OH 44113
Use Our Loans Only for Short-Term Financial Needs
Payday loans are not designed to be a long-term financial solution. Rollovers or repeated borrowing can make them expensive and result in a debt cycle. Only use short-term loans to cover emergency needs.
Consider the risks before you borrow and ensure you can afford the requested amount. Make a realistic repayment plan to avoid financial and credit consequences. Review the loan terms carefully before signing and make sure you understand them. At 1F Cash Advance, we outline all the details in the loan agreement so that you can make an informed decision.
WARNING: The cost of short-term loans is higher than the average cost charged by traditional financial institutions, such as banks or credit unions. A financial institution may be able to offer you a similar loan at a lower cost.
FAQ
Are payday loans legal in Ohio?
Yes, payday loans in Ohio are legal and regulated by the Ohio Revised Code Ann. 1321.35 et seq. However, state laws limit the maximum APR and set a minimum repayment period to protect borrowers from predatory lending practices. At 1F Cash Advance, we follow all the Ohio rules and regulations.
Can I get a payday loan with a poor credit history?
Yes. We don’t base loan decisions on your FICO score. Instead, we evaluate your current financial circumstances and your ability to repay. The soft credit check we make won’t affect your credit.
How fast can I get money from a payday loan?
You can receive your loan by the end of the same day if you get approved before 10.30 am. Otherwise, you will get the money on the next business day. For instant cash loans, you need to provide a post-dated check covering the full amount due.
What happens if I can't repay on time?
If you can't repay on time, you may face late fees, higher total loan cost, credit score damage, and potential legal action. Contact your lender if you face any problems with repayment. They might offer extensions, payment plans, or hardship options to help you manage your debt.
Can I get a payday loan with no bank account?
In most cases, a bank account is needed to fund you and collect payments. However, at 1F Cash Advance, you can get a cash loan in-store if you provide a post-dated check. Some payday lenders may also transfer the funds to a prepaid card. Alternatively, you can consider pawnshop loan options without a bank account.
Contact Us
Still have questions? Contact us in any convenient way. Our team is always happy to help.
