* No affiliation with any of the companies listed on the page.

Columbus, OH Payday Loans Lenders

8 local stores from 2 companies located in Columbus, OH
Rating
Reviews
Lender
4.90
173
reviews
Advance America
Advance America
has 1 office
2.74
91
review
CheckSmart
CheckSmart
has 7 offices

All Columbus, OH Lenders Offices by Rating

* No affiliation with any of the companies listed on the page.
Rating
Office Address
4.90
173 reviews
Advance America
3296 South High Street, Columbus, OH 43207 show on map
tel: 614-492-8160
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 9AM–6PM
Saturday: 9AM–1PM
Sunday: Closed
3.90
15 reviews
CheckSmart
1624 E. Dublin Granville Road, Columbus, OH 43229 show on map
tel: 614-882-2217
Hours:
Monday: 9AM–8PM
Tuesday: 9AM–8PM
Wednesday: 9AM–8PM
Thursday: 9AM–8PM
Friday: 9AM–8PM
Saturday: 9AM–8PM
Sunday: 11AM–5PM
3.40
10 reviews
CheckSmart
170 N. Wilson Road, Columbus, OH 43204 show on map
tel: 614-276-3334
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–8PM
Saturday: 9AM–5PM
Sunday: 11AM–4PM
2.80
21 review
CheckSmart
1255 Parsons Avenue, Columbus, OH 43206 show on map
tel: 614-445-6669
Hours:
Monday: 9AM–8PM
Tuesday: 9AM–8PM
Wednesday: 9AM–8PM
Thursday: 9AM–8PM
Friday: 9AM–8PM
Saturday: 9AM–8PM
Sunday: 11AM–5PM
2.30
18 reviews
CheckSmart
2496 Morse Road, Columbus, OH 43231 show on map
tel: 614-478-4040
Hours:
Monday: 9AM–8PM
Tuesday: 9AM–8PM
Wednesday: 9AM–8PM
Thursday: 9AM–8PM
Friday: 9AM–8PM
Saturday: 9AM–8PM
Sunday: 11AM–5PM
2.30
8 reviews
CheckSmart
5462 West Pointe Plaza, Columbus, OH 43228 show on map
tel: 614-527-4444
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–4PM
Sunday: Closed
2.30
3 reviews
CheckSmart
2013 Zettler Center Drive, Columbus, OH 43223 show on map
tel: 614-274-9338
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–4PM
Sunday: Closed
2.20
16 reviews
CheckSmart
7370 Sawmill Road #O, Columbus, OH 43235 show on map
tel: 614-764-1110
Hours:
Monday: 9AM–8PM
Tuesday: 9AM–8PM
Wednesday: 9AM–8PM
Thursday: 9AM–8PM
Friday: 9AM–8PM
Saturday: 9AM–5PM
Sunday: Closed

Latest Reviews

George Henson
5 / 5 Oct 7, 2021
about Advance America's office
3296 South High Street, Columbus, OH 43207
Tangela Taylor
5 / 5 Oct 4, 2021
about Advance America's office
3296 South High Street, Columbus, OH 43207
LaTisha Sanders
5 / 5 Sep 14, 2021
about Advance America's office
3296 South High Street, Columbus, OH 43207

If someone asks me what I think of payday loans I will answer “it’s a real helping hand for people who need a large amount of cash at once. I’ve already borrowed this type of loans several times and each time there were no problems with it. My husband and I moved to a new house so we wanted to change all our furniture and technical equipment. Of course, we saved money before moving but it turned out not to be enough. We didn’t feel like waiting for a long time and I was eager to purchase all new things at once. I was upset about financial trouble but a colleague of mine told me about a payday loan. I went to the Always Payday. The lenders offered a very short procedure of borrowing money without faxing documents and checking a credit score. All they asked to do is to fill in their application. I did as they asked. The same day the money was on my bank account and we bought a fashionable sofa for our living room. It was the first time when I used the opportunity of payday lona. I’m sure I’ll do it again when I feel urgent need in cash. ...

Kay
5 / 5 Mar 22, 2012
about Always Payday's office
246 Granville Street, Columbus, OH 43230

Columbus is the United States’ fourteenth largest city and the capital of the state of Ohio. It is the state’s most populous city with a rich history. The metropolitan area has a population of more than 2,000,000. The city was founded in 1812, and today it is one of the nation’s major cities with highly developed infrastructure, healthy environment for business, tourism, education, health care, industrial potential, banking, and many other spheres.

Payday loan lenders operate across Ohio, and Columbus is no exception. They provide quick loans, which help borrowers cover immediate financial needs. Customers find them attractive because payday lenders are much easier to get than bank loans – they are less strict on borrowers’ credit histories. There are nine storefront payday lenders in Columbus, which are run by three companies across the state and the rest of the USA: Advance America, Check’n Go, Check into Cash and Always Payday.

Payday Loans Law in Columbus, OH

Until recently, payday loans in Columbus were extortionate: annual percentage rates could reach 667%. Although there was (and there is!) a payday loan law in the state, there was a loop-hole, which allowed payday lenders register as mortgage lenders and bypass restrictions and caps. It all ended in the fall of 2018, and now the APR cap is 28%. Maximal loan size is $1,000, pay-off periods range from 91 to 365 days, and no rollovers are allowed. Lenders in the state of from outside the state should have a Short-Term-Loan-Law license and comply with the local law. Criminal actions against borrowers are prohibited, and all disputes should be resolved in keeping with legal procedures.

History of Columbus

The would-be Columbus settlement was built in February 1812, and it was incorporated as a city in February 1816; it had been the state’s administration’s objective to place the capital as close to Ohio’s geographic center as possible. A group of businessmen from Franklington offered a 20 acres patch of land for the future city. The city was named after Christopher Columbus. At the time, it was a patch of unexplored and densely vegetated land used as a hunting site.

The city had difficulty growing, because there were no good roads or rivers connecting it to the rest of the state. It was in 1831 that the National Road connected it to Baltimore, and the city began to grow economically, attracting new residents. Railroad connection was established in 1850. Columbus was the volunteer Union Army’s stronghold during the Civil War. By the late 1800s, the city had developed into a decent industrial center, and there was a group of factories producing horse-drawn vehicles. Columbus’s economy grew more diversified, which helped the city get through the Great Depression with less damage than most other cities. In the 20th century, the city continued to grow, and by the 1990s it was a major city with a highly developed transportation system.

Geography

The city occupies a territory of 223.11 square miles, as it has expanded a lot over its history. Annexations have made Columbus the nation’s fastest-growing city in terms of territory, population, economy, etc. The city is located near the confluence of the Scioto and Olentangy rivers, and there are a bunch of relatively small tributaries. On the whole, the surrounding land if quite so flat, but there is a network of ravines adjacent to the rivers, which adds a degree of diversity to the area’s topography. Columbus is located at the borderline of humid continental and humid subtropical air masses, with hot summers and mild winters. 

Population

Columbus has a proper population of 879,170 people. Median age is 32.2 years old, average family size is 3.16 members. Dual family income is around $53,500, household income is $49,478; individual income is $27,558. Home ownership averages 45.1%, home value – $135,042, rent – $1105. The unemployment rate is 6.3%. About 60.5% of the population are Whites (6% are Hispanic whites). Blacks are 28.3%, Asians – 5.2, Natives are 0.2%.

Columbus today

Prior to the COVID-19 pandemic, the city was growing economically, showing a favorable employment environment: more than 160 jobs had opened since 2010. Downtown renovation remains one of the city’s biggest focuses.

Columbus Residents Debt-to-Income Ratios
Columbus residents have 659 median credit score and the average number of late payments is about 4.48. Below represented DTI (Debt-to-Income) ratios shows how Columbus residents debts stacks up against their income. As of 2020.
Credit Card DTI
4.88%
Mortgage DTI
257.29%
Car Loan DTI
27.22%
Student Loan DTI
52.51%
Columbus Residents Financial Statistics
Below represented statistics is for Columbus, Franklin County, Ohio. As of 2019.
Median age of Columbus's residents, years
32
Labour force participation rate, %
70.7%
Unemployment rate, %
5.5%
% of residents with no health insurance
9.0%
Median individual income, USD
$30,484
Median household income, USD
$53,745
% of households with income under $35,000
32.0%
% of households with income $35,000 - $75,000
33.9%
% of households with income $75,000 - $100,000
13.3%
% of households with income over $100,000
20.7%
% of households that own their residence
44.7%
Median home value owned by residents, USD
$150,342
Median rent cost, USD
$961
Rent Burden, %
29.0%
Some official sources of data we used to build this page:
ACS CENSUS IRS USGS
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Columbus, OH
Payday Loans are legal* in Ohio.
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8 Local Stores
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2 Companies
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264 Reviews
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