Cleveland, OH Payday Loans Lenders

16 local stores from 3 companies located in Cleveland, OH
Rating
Reviews
Lender
4.65
1k+
reviews
Ace Cash Express
Ace Cash Express
has 11 office
4.90
109
reviews
Advance America
Advance America
has 1 office
3.67
56
reviews
CheckSmart
CheckSmart
has 4 offices

All Cleveland, OH Lenders Offices by Rating

Rating
Office Address
4.90
222 reviews
Ace Cash Express
11411 Buckeye Rd, Cleveland, OH 44104 show on map
tel: 216-862-8039
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–6PM
Sunday: Closed
4.90
220 reviews
Ace Cash Express
14101 Kinsman Rd, Cleveland, OH 44120 show on map
tel: 216-295-8135
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–8PM
Saturday: 9AM–6PM
Sunday: Closed
4.90
177 reviews
Ace Cash Express
10589 Saint Clair Ave, Cleveland, OH 44108 show on map
tel: 216-851-8077
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–7PM
Wednesday: 10AM–7PM
Thursday: 10AM–7PM
Friday: 10AM–7PM
Saturday: 10AM–6PM
Sunday: Closed
4.90
144 reviews
Ace Cash Express
21177 Euclid Ave, Cleveland, OH 44117 show on map
tel: 216-481-0458
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–6PM
Saturday: 9AM–6PM
Sunday: Closed
4.90
109 reviews
Advance America
13708 Lorain Rd., Cleveland, OH 44111 show on map
tel: 216-941-5361
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 9AM–6PM
Saturday: 9AM–1PM
Sunday: Closed
4.90
66 reviews
Ace Cash Express
7310 Harvard Ave, Cleveland, OH 44105 show on map
tel: 216-641-7614
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–7PM
Wednesday: 10AM–7PM
Thursday: 10AM–7PM
Friday: 10AM–7PM
Saturday: 10AM–6PM
Sunday: Closed
4.80
186 reviews
Ace Cash Express
11648 Lorain Ave, Cleveland, OH 44111 show on map
tel: 216-251-3169
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–6PM
Sunday: Closed
4.80
158 reviews
Ace Cash Express
1409 E 9th St, Cleveland, OH 44114 show on map
tel: 216-348-0080
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–3:30PM
Sunday: Closed
4.80
126 reviews
Ace Cash Express
1499 E 55th St, Cleveland, OH 44103 show on map
tel: 216-431-0500
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–7PM
Wednesday: 10AM–7PM
Thursday: 10AM–7PM
Friday: 10AM–7PM
Saturday: 10AM–6PM
Sunday: Closed
4.80
87 reviews
Ace Cash Express
7933 Euclid Ave, Cleveland, OH 44103 show on map
tel: 216-721-5803
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 10AM–6PM
Friday: 9AM–7PM
Saturday: 9AM–5PM
Sunday: Closed
4.60
110 reviews
Ace Cash Express
14002 Triskett Rd, Cleveland, OH 44111 show on map
tel: 216-252-5351
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–7PM
Wednesday: 10AM–7PM
Thursday: 10AM–7PM
Friday: 10AM–7PM
Saturday: 10AM–6PM
Sunday: Closed
4.20
12 reviews
CheckSmart
4263 Fulton Rd., Cleveland, OH 44144 show on map
tel: 216-739-0837
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–4PM
Sunday: Closed
3.80
10 reviews
CheckSmart
2196 Brookpark Road, Cleveland, OH 44134 show on map
tel: 216-351-3366
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–4PM
Sunday: Closed
3.40
20 reviews
CheckSmart
14930 Puritas Avenue, Cleveland, OH 44135 show on map
tel: 216-941-6329
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–5PM
Sunday: Closed
3.30
14 reviews
CheckSmart
6833 Broadway Ave., Cleveland, OH 44105 show on map
tel: 216-206-2558
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–4PM
Sunday: Closed
2.80
104 reviews
Ace Cash Express
5311 Memphis Ave, Cleveland, OH 44144 show on map
tel: 216-661-1036
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–7PM
Wednesday: 10AM–7PM
Thursday: 10AM–7PM
Friday: 10AM–7PM
Saturday: 10AM–6PM
Sunday: Closed

21 CFPB Complaints in Cleveland

There were 21 CFPB complaints in Cleveland since Nov 2013.

Complaints over Years

Top 5 Companies

  • Check 'n Go: 9
  • Ace Cash Express: 6
  • Community Choice Financial: 3
  • Speedy Cash: 2
  • Check into Cash: 1

Top 3 Complaints Issues

  • Communication tactics: 4
  • Can't contact lender: 2
  • Took or threatened to take negative or legal action: 2

Latest Reviews

Ahmed Alsadi
5 / 5 Jun 6, 2022
about Ace Cash Express's office
11648 Lorain Ave, Cleveland, OH 44111
Tracie Marie
5 / 5 Jun 3, 2022
about Ace Cash Express's office
21177 Euclid Ave, Cleveland, OH 44117
Ashlee-Nayasha Hood
4 / 5 May 25, 2022
about Ace Cash Express's office
21177 Euclid Ave, Cleveland, OH 44117
Cynthia R.
1 / 5 Jan 22, 2016
about Ace Cash Express's office
5311 Memphis Ave, Cleveland, OH 44144

Cleveland is Ohio’s second and the USA’s 53rd largest city boasting a favorable geographic location near the USA-Canadian border and in the proximity of rivers and lakes. Also, it is a major transportation hub. These factors have made Cleveland an attraction for people and businessmen from around the state. A good range of business activities flourish in Cleveland, including (but not limited to!) manufacture, health care and financial services.

The latter includes payday loan lending, as there are always people out there who need quick money from time to time. Payday loans are allowed in Cleveland and the rest of Ohio, and firms’ work is regulated by the federal and local legislation. There are three payday loan companies operating in Cleveland – Ace Cash Express, Check’n Go, and Advance America, running 20 storefront offices. Also, payday loans are available online, so one can apply without having to visit a storefront office.

Payday Loan Law in Cleveland

The local law is quite strict on payday loans: the maximum loan amount is $1000, APR should not exceed 28%. Loan term ranges from 91 days to 12 months. Rollovers are prohibited. Until recently (2018), Ohio was a paradise for payday loan lenders, who could legally bypass the law, charge as mortgage lenders and beat the bag out of their clients. This would put borrowers in dire straits. The current caps have limited lenders’ potential for that. In any event, every borrower must be sure he/she will be solvent by the due date.

Cleveland History

Cleveland was first mentioned in the late 1790s, and it was named after General Moses Cleveland, who funded the exploration of the area. The town was having difficulty developing, because there were no roads or railroads to connect it to more developed regions. Until the 1820s, Cleveland developed as a market town, and it was not before the time that the Erie Canal was built that the population began to grow a bit faster. The advent of railroad in the 1850s upon the city triggered a population growth, and it increased by a factor of around 40. By the 1900s, the city boasted well-developed oil, mineral and steel industry sectors. After World War II, Cleveland began to decline economically and faced racial clashes. In 1978 it defaulted on its financial obligations. It was in the 1980s that the city began to recover, and it entered the 21st century with a diversified economy.

Geography

Cleveland stands on the banks of the Cuyahoga River and on the shore of Lake Erie. The river snakes across the city from North to South, forming several irregular bluffs. The climate is continental and temperate with damp winds blowing from the lake, which cool down the air in summer. Winters are rather cold with lots of snowfalls. In summer, thunderstorms and tornadoes occur frequently, which often cause serious damage.

Population

Cleveland’s proper population is 385,535 people. Median age is 35.8 years old. Household income averages $27,854, median individual income is $18,387; 41.8% of the population own a home, home value averaging $67,378; median rent size is $721; the unemployment rate is high (16%). The racial makeup is: whites account for 39.8%, Hispanic whites – for 11.2%; Black, Asian and Native Americans are 50%, 2.1% and 0.5% respectively.

Cleveland today

Right now, Cleveland has pretty much recovered from the 1970s depression, as its economy has grown more diversified. There are quite a number of successful businesses, such as Nacco Industries, Forest City Enterprises, Applied Industrial Technologies, Travel Centers of America, Hyster-Yale Materials handling, a NASA facility, etc. Cleveland is a major cultural center, a home to a major performing arts center – Playhouse Square, which is only second to Lincoln Center (New York). The city has a rich rock and jazz music history and once had a reputation of “the Rock and Roll Capital of the World”, as it was home to major rock music events. Today, Cleveland is home to many professional sports teams, as the city’s sports traditions go back to its early days.

Cleveland Residents Debt-to-Income Ratios
Cleveland residents have 624 median credit score and the average number of late payments is about 5.73. Below represented DTI (Debt-to-Income) ratios shows how Cleveland residents debts stacks up against their income. As of 2020.
Credit Card DTI
5.07%
Mortgage DTI
202.74%
Car Loan DTI
31.83%
Student Loan DTI
59.14%
Cleveland Residents Financial Statistics
Below represented statistics is for Cleveland, Cuyahoga County, Ohio. As of 2019.
Median age of Cleveland's residents, years
36
Labour force participation rate, %
59.1%
Unemployment rate, %
13.2%
% of residents with no health insurance
7.7%
Median individual income, USD
$20,407
Median household income, USD
$30,907
% of households with income under $35,000
55.1%
% of households with income $35,000 - $75,000
27.9%
% of households with income $75,000 - $100,000
7.9%
% of households with income over $100,000
9.1%
% of households that own their residence
41.6%
Median home value owned by residents, USD
$69,699
Median rent cost, USD
$719
Rent Burden, %
38.0%
Some official sources of data we used to build this page:
ACS CENSUS IRS USGS
Ohio Flag
Cleveland, OH
Payday Loans are legal* in Ohio.
Store
16 Local Stores
Company
3 Companies
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1765 Reviews
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