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US Cash Advance is a direct payday lender serving Ohio residents, including Cincinnati, Cleveland, and Columbus. Apply online in minutes for a payday loan up to $1,000, with a decision the same business day.
Ohio payday loans at a glance: Payday loans are legal in Ohio and regulated by the Ohio Department of Commerce under Ohio Rev. Code § 1321.35 to § 1321.48. You can borrow up to $1,000 for a term of up to 365 days, at an effective APR of about 28%. Rollovers are prohibited, and lenders must disclose the full APR and due date before you sign.
Rules current as of August 2026.
Governing law: Ohio Rev. Code § 1321.35 to § 1321.48
Ohio law caps the annual percentage rate (APR) for payday loans at 28% per annum, as per Ohio Rev. Code § 1321.40. The maximum loan amount is $1,000, and the loan term can range from 91 days to one year, according to Ohio Rev. Code § 1321.39. A license is required to offer payday loans in Ohio.
| Loan Amount | Term | APR (est.) | Fee / Interest | Total Due |
|---|---|---|---|---|
| $100 | 91 days | 28% | $7 | $107 |
| $500 | 91 days | 28% | $35 | $535 |
| $1,000 | 91 days | 28% | $70 | $1,070 |
Ohio law caps the interest rate on short-term loans at 28% per annum, with a minimum loan term of 91 days and a maximum loan amount of $1,000. The lender must show you the exact APR before signing.
Ohio residents should be aware that payday loans have a maximum APR of 28% and can be for amounts up to $1,000. Loan terms range from 91 days to one year, as specified in Ohio Rev. Code § 1321.39.
Ohio law prohibits rollovers of payday loans, ensuring that borrowers do not extend their loans beyond the original terms. Consumers can verify lender licenses through the Ohio Department of Commerce. Complaints can be filed with the Department if issues arise.
Complaint Agency: Ohio Department of Commerce (File a complaint)
Verify Lender License: https://com.ohio.gov/wps/portal/gov/com/lookup-and-locate/find-a-business-licensee-or-database/look-up-a-licensee
Rollover policy for Ohio: no. Before rolling over or renewing a payday loan, contact your lender to understand any additional fees and your total repayment obligation.
| Federal Protection | What It Means | Who It Covers |
|---|---|---|
| CFPB Payday Rule | The CFPB issued a regulation adopting a two-strikes-and-you’re-out rule for covered lenders. Under that rule, after two tries to withdraw money from a borrower’s account have failed, covered lenders can’t try again unless the borrower specifically authorizes another attempt. | All states |
| Military Lending Act (MLA) | 36% MAPR cap. The Military Lending Act (MLA) limits the amount a creditor may charge, including interest, fees, and charges imposed for credit insurance, debt cancellation and suspension, and other credit-related ancillary products sold in connection with the transaction. The total charge, as expressed through an annualized rate referred to as the Military Annual Percentage Rate (MAPR), may not exceed 36 percent. | Active-duty service members |
| Electronic Fund Transfer Act (EFTA) | A lender cannot require you to repay by automatic bank (ACH) debit as a condition of getting the loan. You may choose another way to pay. | All states |
CFPB rule source: https://www.consumerfinance.gov/payday-rule/
Yes. Payday lending is legal in Ohio, regulated under Ohio Rev. Code § 1321.35 to § 1321.48. Licensed lenders must follow the state's limits on loan amounts, terms, and fees, and disclose the full APR and due date before you sign. Confirm a lender is state-licensed before you borrow.
A payday loan in Ohio is a small, short-term loan you repay by your next payday. Under Ohio Rev. Code § 1321.35 to § 1321.48, you can borrow up to $1,000 for up to 365 days, and the lender's fee works out to an effective APR of about 28%. The lender discloses your exact fee, total, and due date before you sign, and you repay the full amount plus the fee on the due date.
In Ohio, the maximum payday loan APR is 28% under Ohio Rev. Code § 1321.35 to § 1321.48. This is the annual percentage rate a licensed lender may charge; your actual cost depends on the loan amount and term. The lender must disclose the exact APR and fees in your agreement before you sign.
In Ohio, the maximum payday loan amount is $1,000 under Ohio Rev. Code § 1321.35 to § 1321.48. Some lenders approve less than the state maximum based on your income and their own limits. Borrow only what you can repay by the due date, since fees apply to the full amount.
In Ohio, a payday loan term runs up to 365 days under Ohio Rev. Code § 1321.35 to § 1321.48. The due date is usually tied to your next payday and is stated in your loan agreement. Repaying on time avoids rollover fees and extra finance charges.
No. In Ohio, payday loan rollovers are not allowed under Ohio Rev. Code § 1321.35 to § 1321.48. You cannot extend the loan by paying only the fee and pushing back the due date, a practice that fuels long-term debt. If you cannot repay on time, ask the lender about an extended payment plan.
Explore the full US Cash Advance suite of short-term lending options: Payday Loans, Cash Advance, Bad Credit Loans, Same Day Loans, Debt Consolidation, or find a location near you in our Ohio Locations Directory.