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Cincinnati, OH
Payday Loans are legal* in Ohio.
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20 Local Stores
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6 Companies
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2132 Reviews
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YES Online Loans

Cincinnati, OH Payday Loan Lenders

20 local stores from 6 companies located in Cincinnati, OH

Cincinnati is Ohio’s third largest city and the USA’s 64th largest. At a certain stage, the city witnessed a tremendous population growth and was the most rapidly growing one. Today, it boasts a diversified economy, rich cultural heritage and potential for tourist business. The city’s sights create a clear and intriguing picture of its past and make many USA residents want to visit it.

Financial companies, particularly payday loan lenders, operate in Cincinnati. Payday loans are permitted by law, and any one in need of quick money can address any of the 20 storefront offices and apply for a loan. These offices are run by six companies that work in Ohio and other states: Ace Cash Express, Advance America, Check’n Go, Check into Cash, CheckSmart and Quik Cash. 

Payday Loans in Cincinnati: Legal Aspects

Both online and storefront payday lenders in Cincinnati must get a short-term-loan-law license. Payday loans are granted for a period of 91 days to 1 year, loan size should not exceed $1000. Lawmakers have taken steps to limit the APR, and now it should not be higher than 28%. Rollovers are not allowed. Only one loan can be granted to a borrower at a time.

There were times, however, when lenders could bypass the payday loan law and register as mortgage lenders. This would result in extremely high APRs (up to 667%) and lots of borrowers falling into a debt trap. The current law was accepted and came into effect in 2018 and made things a little easier for borrowers and tougher for avaricious lenders. 

History and Geography

Cincinnati’s history started in 1788, and began to develop as Fort Washington was established in what is now Cincinnati’s downtown area. The settlement grew, and it became a town in 1802. In 1819 it was incorporated as a city, and by 1850 its population exceeded 115,000 people. Largely, the rapid growth was due to its favorable geographic location on the bank of the Ohio River, as new settlers would arrive and stop here. Cincinnati is renowned for the Defense of Cincinnati, which secured the city against the hardships of the Civil War. 

The city grew industrially, as the construction of the Miami and Erie Canal started in 1825. In the years following the 1850s, Cincinnati began to develop a streetcar system. Its well-developed transportation coupled with favorable geography pretty much mitigated the Great Depression’s impact, as trade continued and helped lots of businesses and industries through the hard times.

Cincinnati is located at the intersection of Kentucky, Ohio and Indiana, so it is informally known as the Greater Cincinnati Tri-State Area. Placed on a plateau that surrounds the Ohio River, it is part of the Midwest area. The area covers 79.6 square miles. The climate is near subtropical with hot and humid summers and mild and snowy windows. 

Population

As of 2019, Cincinnati’s proper population was 301,301 and metropolitan population was 1,648,250 people. Median age is 32.4 years old; average family size is 3.1 people. Median dual family income is around $45,100, median household income is $36,429. The largest share of households (14.5%) have incomes ranging between $50,000 and $75,000. Median individual income is $23,253, home values average $125,813, median rent size is $1068. The unemployment rate is 10.4%. The racial composition is: 50.4% of Cincinnatians are whites (Hispanic whites are 3.6%); African Americans are 42.9%, Asians are 2%, Natives and Pacific are 0.1% each. 

Cincinnati Today

Today, Cincinnati is an attraction for businesses from around the United States and the rest of the world. Headquartered in the city are Procter & Gamble, General Electric, The Kroger Company. The later employs over 20,000 local residents and is Cincinnati’s biggest employer. Cincinnati is renowned for its vibrant nightlife, as there are scores of restaurants and restaurants offering a whole range of cuisines from a variety of cultures. Sports thrive in the city: there are three major and seven minor league baseball, soccer, basketball, etc. teams and quite a bunch of major sports venues.  Theatrical life appeared in Cincinnati nearly at the time of the city’s inception.

Some official sources of data we used to build this page:
ACS CENSUS IRS USGS
Rating
Reviews
Lender
3.35
107
reviews
Ace Cash Express
Ace Cash Express
has 6 offices
4.95
347
reviews
Advance America
Advance America
has 6 offices
4.53
1k+
reviews
Check 'n Go
Check 'n Go
has 5 offices
5.00
2
reviews
Check into Cash
Check into Cash
has 1 office
4.00
1
review
CheckSmart
CheckSmart
has 1 office
5.00
1
review
Quik Cash
Quik Cash
has 1 office

All Cincinnati, OH Lenders Offices by Rating

Rating
Office Address
5.00
310 reviews
Check 'n Go
5365 Ridge Avenue, Cincinnati, OH 45213 show on map
permanently closed
5.00
169 reviews
Check 'n Go
9178B Winton Road, Cincinnati, OH 45231 show on map
permanently closed
5.00
135 reviews
Advance America
451-C Ohio Pike, Cincinnati, OH 45255 show on map
tel: 513-528-2100
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–2PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 9AM–6PM
Saturday: 9AM–1PM
Sunday: Closed
5.00
59 reviews
Advance America
5180-C Delhi Pike, Cincinnati, OH 45238 show on map
permanently closed
5.00
41 review
Advance America
10325 Reading Rd., Ste. 102, Cincinnati, OH 45241 show on map
permanently closed
5.00
6 reviews
Advance America
1220 W. Kemper Rd., Cincinnati, OH 45240 show on map
permanently closed
5.00
2 reviews
Check into Cash
8088 Beechmont Avenue, Cincinnati, OH 45255 show on map
permanently closed
5.00
1 review
Quik Cash
7990 Colerain Ave, Cincinnati, OH 45239
tel: 513-522-0371
4.90
107 reviews
Check 'n Go
9405 Colerain Avenue, Cincinnati, OH 45251 show on map
permanently closed
4.90
95 reviews
Advance America
10589 Springfield Pike, Cincinnati, OH 45215 show on map
tel: 513-771-1114
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–2PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 9AM–6PM
Saturday: 9AM–1PM
Sunday: Closed
4.80
291 review
Check 'n Go
775 Eastgate South Drive, Cincinnati, OH 45245 show on map
permanently closed
4.80
11 review
Advance America
3119 Glenmore Ave., Ste. B, Cincinnati, OH 45211 show on map
permanently closed
4.70
33 reviews
Ace Cash Express
4981 Vine St, Cincinnati, OH 45217 show on map
tel: 513-641-0756
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–5PM
Sunday: Closed
4.60
5 reviews
Ace Cash Express
7990 Reading Rd, Cincinnati, OH 45237 show on map
permanently closed
4.10
15 reviews
Ace Cash Express
1667 E Kemper Rd, Cincinnati, OH 45246 show on map
permanently closed
4.00
1 review
CheckSmart
9234 Colerain Avenue, Cincinnati, OH 45251
3.20
46 reviews
Ace Cash Express
2516 Victory Parkway, Cincinnati, OH 45206 show on map
tel: 513-751-2274
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–5PM
Sunday: Closed
2.95
797 reviews
Check 'n Go
6212A Glenway Avenue, Cincinnati, OH 45211 show on map
tel: 513-662-0200
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
2.50
7 reviews
Ace Cash Express
4787 Red Bank Expy, Cincinnati, OH 45227 show on map
permanently closed
1.00
1 review
Ace Cash Express
4026 Glenway Ave, Cincinnati, OH 45205 show on map
permanently closed

Latest Reviews

Hystone I
5 / 5 Mar 17, 2021
about Advance America's office
10589 Springfield Pike, Cincinnati, OH 45215
Antoine Amegadzie
5 / 5 Mar 11, 2021
about Advance America's office
10589 Springfield Pike, Cincinnati, OH 45215
Lisa Douglas
5 / 5 Mar 8, 2021
about Ace Cash Express's office
4981 Vine St, Cincinnati, OH 45217
Leah A.
1 / 5 Apr 10, 2019
about Check 'n Go's office
6212A Glenway Avenue, Cincinnati, OH 45211
Harrison C.
2 / 5 Apr 2, 2018
about Ace Cash Express's office
4787 Red Bank Expy, Cincinnati, OH 45227
Jean W.
1 / 5 Dec 19, 2016
about Ace Cash Express's office
4981 Vine St, Cincinnati, OH 45217

I do not think I will apply to this company - they were rude and absolutely not polite even though I delayed my loan repayment just for 2 days. I was in a tight knot and a payday loan seemed a good option for solving a problem. But as it turned out I got more headache than I did and really I do not find this service all that appealing. ...

Russel
2 / 5 Apr 19, 2013
about Ace Cash Express's office
2516 Victory Parkway, Cincinnati, OH 45206

I’ve used payday loan service several times, mostly for some unplanned expenditure. For example, once I thought I was already through with my monthly bills when suddenly a deferred payment for the plasma TV I’d purchased some time before came in. Only when I found it in my mailbox, did I realize it had completely escaped my mind! We discussed the issue with my husband, and we decided on a payday loan as a way out, because really there was no way we could pare down other of our expenses for that month. So i went to the website of a company offering this facility, read the terms, and they seemed reasonable. I filled in an application, and to tell the truth, I was pleasantly surprised by the very short term in which the money arrived on my account. So I had the sum I needed and paid the first TV set deposit and, when the next paycheck arrived, I returned the payday loan plus the interest. Simple and convenient! ...

Ginny
5 / 5 Jun 8, 2012
about Quik Cash's office
7990 Colerain Ave, Cincinnati, OH 45239

I would like to share my personal story about dealing with this payday loan service. It happened two months ago when my car broke down and I was told that it wouldn’t move without installing a new transmission. Those who have a car will understand how much a new transmission costs. It’s almost a half of my salary. Of course, I had some savings but I couldn’t give them all for repairing since I needed support the family for two weeks. My wife said that the only thing we were able to do in our case was to take a loan. That evening I found this service on the Net and applied. All the procedure was simple and quick. No one cared what I asked the cash for and they even didn’t check my credit score. I don’t remember well since the time has passed but it seemed to me I got the money on my account the next morning and spent them all on my car at once. The lenders asked if I would mind their taking the money back with interest rates automatically from my account when my paycheck day came. I thought that was a good idea because I could absolutely forget about my repayment. So my advice is not to hesitate if you are in financial trouble and apply for just now. ...

Justin
4 / 5 Mar 22, 2012
about CheckSmart's office
9234 Colerain Avenue, Cincinnati, OH 45251