Need Quick Cash?
No Problem!

How Much Do You Need?

Express Loan – Get a Free Quote

High Security

256-bit SSl

TLS Security

Home Ohio Toledo

Cash Advance in Toledo, 43607

Customer centered service

Providing excellent customer service and a positive loan experience is Swift Title Loans top goal and we work tirelessly to make this happen for each and every customer.

Easy application process

We understand the urgency when getting a loan, so we offer simple options for applying. You can choose to apply either by phone or online.

Loans for low credit score

We don’t like turning away customers simply for having a bad credit score. We will work hard to get you a loan regardless of your bad credit.

Our main advantages

Swift is one of the most flexible and trustworthy finance houses in the great sun-soaked city of Los Angeles, California. While there are many things that set Swift apart from its competitors, here’s what customers should know about the Swift difference.

3 Easy Steps To Get a Cash Advance Loan in Toledo


Get Started

Fill in the simple online inquiry form and you can get connected swiftly to trusted third-party lenders in our network.


Get an Offer

The lender will present you with a cash advance loan offer that suits your financial needs.


Get Your Cash

Once you sign the loan agreement, the cash can be yours in no time, sometimes even on the next business day.



Fast Access To Cash

Bad Credit Is Not A Deal-Breaker

No Collateral Required

Minimum Paperwork

Use The Money For Any Purpose



Source Of Income

Checking Account

Valid Identification



Fill In The Online Inquiry Form

Get Connected By A Trusted Third-Party Lender

Receive & Review The Offer

Sign The Contract

Get Cash

Understanding Cash Advances and Payday Loans in Toledo, OH

Cash advances, commonly referred to as payday loans, are short-term, unsecured loans intended to cover unexpected expenses or bridge the gap until the next paycheck. Unlike traditional bank loans, payday loans are known for their swift approval processes and fewer requirements. In Toledo, as with many places across the US, these loans have become increasingly popular due to their accessibility.

For many Toledo residents, financial surprises can be challenging. Whether it’s an unexpected medical bill or car repair, payday loans offer a way to get through these temporary setbacks. While they come with higher interest rates than conventional loans, they are often the preferred option for those without access to credit cards or savings.

Payday Loans Requirements

The requirements for payday loans in Toledo are relatively straightforward. Typically, lenders look for:

  1. Proof of age (18 years or older)
  2. A steady source of income, such as a paycheck stub or other verifiable income evidence
  3. An active bank account, as most Toledo lenders deposit funds directly and also collect repayments through direct withdrawal
  4. Valid identification, usually a government-issued ID
  5. Proof of residency within the state of Ohio.

Given these relatively minimal requirements, payday loans in Toledo are accessible to many, even those with less-than-stellar credit scores.

State Regulations on Cash Advance Loans

Ohio has established regulations for payday loans to protect borrowers from excessive debt. These regulations set maximum loan amounts, interest rate caps, and repayment terms. In Toledo and across Ohio:

  • The maximum loan amount is $1,000.
  • The loan term cannot be more than 31 days.
  • Interest and fees can’t exceed 28% of the loan amount.

Borrowers are also protected from unfair collection practices, and lenders must follow specific guidelines when trying to collect unpaid loans.

Benefits of Choosing a Payday Loan in Toledo

While payday loans have their critics, they offer undeniable advantages:

Swift Access to Funds: For those facing immediate financial needs, payday loans often provide same-day or next-day access to funds.

Fewer Requirements: As discussed, the requirements for payday loans in Toledo are fewer compared to traditional loans.

Credit Score isn’t a Huge Factor: Toledo payday loans are accessible to those with bad credit, making them a viable option for many.

Transparent Terms: Reputable lenders lay out all terms transparently, ensuring borrowers know their obligations.

    5 Things to Consider When Taking a Cash Advance Loan in Toledo, OH

    1. Repayment Capability: Ensure you’ll have the means to repay the loan by the due date to avoid additional fees or impacts on your credit score.

    2. Interest Rates: Understand the APR and total amount you’ll repay.

    3. Lender Reputation: Always choose a reputable Toledo lender. Research reviews and seek recommendations.

    4. Alternatives: Before committing, explore other financial options that might be available to you, such as personal loans or borrowing from friends.

    5. State Regulations: Ensure that the lending company complies with Ohio state regulations to safeguard your interests.

    Other Loan Alternatives

    Payday loans aren’t the only option available. Toledo residents can also consider:

    • Personal Loans: These are unsecured loans from banks or credit unions, typically with a lower interest rate than payday loans.
    • Title Loans: A short-term loan where the borrower’s vehicle title serves as collateral.
    • Credit Card Advances: A short-term loan against your credit card limit.
    • Borrowing from Friends or Family: This can be a no-interest way of getting the funds you need.


    How soon can I access funds after getting approved for a payday loan in Toledo, Ohio?

    Typically, funds are available either the same day or the next business day, depending on the time of approval and the lender’s processes.

    Can I get a payday loan in Toledo if I have bad credit?

    Yes, many payday lenders in Toledo offer loans to individuals with bad credit.

    How many payday loans can I have at once in Toledo?

    State regulations usually dictate this, but in Ohio, borrowers can have only one outstanding payday loan at a time.

    What happens if I can’t repay my payday loan on time?

    It’s essential to contact your lender as soon as possible. They might offer an extension or a payment plan, though additional fees could apply.

    Are there any restrictions on what I can use my payday loan for?

    No, you can use your payday loan funds for any purpose.


    Phone number

    (419) 506-5296



    1468 Secor Rd unit 1101, Toledo, OH, 43607


    Open hours

    Mon – Fri:

    9am – 7pm


    10am – 4pm





    Fast Process

    When you need money urgently, fill in the online request form and you won't believe how fast you can get the loan approved.

    Near Locations


    20002 Schoolcraft Rd unit A, Detroit, MI 48223


    1327 Brush St unit 201, Detroit, MI 48226


    2895 W Grand Blvd unit 102, Detroit, MI 48202

    Looking for a fast loan?

    Begin your cash advances journey today!

    Apply Now

    Skip to content