Payday Loans in Cincinnati, OH | Cash Advance in Cincinnati, OH

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Cincinnati, OH Payday Advances Online

Are you experiencing short-term money problems? Would you like a small advance against your next paycheck to help cover an unexpected expense and tide you over until you get paid again? Then a payday loan can be the solution you are looking for.

At Direct Payday Loans, we pride ourselves on our speed in connecting you with a lender. In most cases, submitting your information through our site will only take a few minutes of your time. After submitting your information, we’ll put you in touch with several lenders offering loans that fit your needs. With these lenders, you’ll be able to review loan terms and, if approved, get quick cash deposited into your bank account as soon as the same day.

Cincinnati, located in Hamilton County, OH, is home to over 300,000 people. This belies the fact, however, that its metro area is much larger, clocking in at over 2.1 million residents. Cincinnati is a midwest economic power in the United States with major Fortune 500 companies located in the metro area including: Procter & Gamble, Kroger, Fifth Third Bank, and General Electric.

Though the city enjoys a robust and growing economy with a bunch of great jobs, we know that sometimes an employed person can be surprised by financial shortfalls. Even if you’re employed by one of the major companies headquartered in the Cincinnati area, or another great institution like the University of Cincinnati, Kellogg’s, or Starbucks, sometimes financial difficulty is unavoidable.

If you have a steady paycheck from a company and are in need of short-term help, a payday loan from Direct Payday Loans can be a great tool to get you over the hump until you can get back on your own two feet. It’s time to stop worrying about your cash shortfall and get the quick cash that you need via a payday loan.

Just how much can I borrow in Cincinnati, CA?

Payday loans–also known as payday advances–in Cincinnati can be made in amounts varying from $50 to $1,000 or more. The amount that you’re able to borrow will depend on the lender you choose as well as several other factors including:

  • Your earnings,
  • Your tenure at your job, and
  • Your state of residence.

Unlike a car or auto loan–which generally require extensive underwriting, a good credit score, and high income–our payday lenders are well-versed in the financial difficulty you may be facing and know that you need cash quickly, not after a long delay. Payday advances are not secured loans–like a home or auto loan–but are instead referred to as “unsecured” loans. This means that they are personal loans made to you for general purposes, and also that they are far easier and quicker to get.

In exchange for the cash that you need, the lender from which you borrow your loan will charge you a small fee in the form of interest. The principal amount you borrow plus this interest will be due to be paid back to your lender via ACH payment on your next payday.

With Direct Payday Loans, you’ll be able to:

  • Get the quick cash that you need,
  • Read and understand plain & simple fees and terms, and
  • Get a short-term cash advance very quickly.

Keep one thing in mind: If you’re going to be asking for a loan of $1,000 or more, it is likely that the lender will require pulling your credit report in order to make a lending decision. For larger loan amounts, lenders generally are not comfortable offering funds unless the borrower has a sufficiently good credit score.

Borrowing Responsibly

There are a couple things to keep in mind prior to taking out a payday loan. One of the biggest things to remember is that the loan amount–the “principal” borrowed– in addition to the interest that the lender charges you, will both have to be paid back on your next payday.

Take some time to work out your budget plan to ensure that you have sufficient cash available on your next payday to both pay back the loan and cover your normal expenses. Things like rent and grocery bills don’t stop just because you have a loan to pay back, and you don’t want to find yourself in a situation in which you need to renew your payday loan–a practice which we don’t recommend.

Bad credit? Not an issue in Cincinnati

The most common question that we get is whether the lender will offer loans to someone with a bad credit score or without a credit score at all. Don’t worry about this. Our network of lenders understands that you may have a low–or no–credit score, and they’re still looking forward to working with you.

Rather than just relying on your credit score as many auto or home lenders do, our lenders are prepared to look at your earnings, when you are going to get your next paycheck, and other factors. Most of them won’t even look at your credit score unless you’re planning on borrowing in excess of $1,000.

Payday advances are excellent short-term financial tools for people with low or no credit who need to increase their spending power for a short amount of time until they receive their next paycheck.

Easy Online Application – Instant Approvals For Cincinnati Residents

Historically, payday loans were only available to you if you went to a local lender. This process required a lot of work as you had to actually drive to a payday loan store front. The good news is that this is no longer a requirement.

Instead, we’ve built a technology platform that makes it incredibly easy to apply for a payday advance and get a nearly instant decision, all from the comfort of your own home.

Before starting the application, be sure that you have the following items handy:

  • Your social security number,
  • You paycheck information, and,
  • Your banking information.

Direct Payday Loans online in Cincinnati: money when you need it most.

Local Payday Loan Providers in Cincinnati

As mentioned above, it can be very difficult to compare rates and fees if you’re getting a loan from a local storefront payday loan provider. Why? You’ll have to drive or call between several of them in order to compare their rates and fees.

This is a very important exercise to go through, as comparing fees between various storefronts could potentially save you a good amount of cash when it comes time to pay your loan back.

By contrast, applying for a payday loan through Direct Payday Loans does nearly all of that work for you. Rather than having to drive between storefronts, you’ll be able to easily compare fees from multiple lenders who are trying to earn your business through our platform. Additionally, local lenders have to pay for expensive rent to support their storefront, and this extra cost can be passed on to you in the form of higher fees or interest.

Still, we know that some people prefer doing business in person, so we’ve compiled this handy list of local payday loan providers in Cincinnati to help you on your way.


CheckSmart has about a dozen locations sprinkled throughout the Cincinnati metro area. While the locations are convenient given how many there are, most of the locations’ reviews are generally only OK. While many online reviewers note that the staff is friendly and that their experience was good, there are more than a few online reviewers who note that the employee they dealt with was rude. Be sure to consult online reviews prior to visiting a CheckSmart location.

658 Main St
Cincinnati, OH 45202
(513) 929-4155


Cashland has two locations around Cincinnati, however the reviews for their locations are not good. Reviewers note that the fees are high, and that the locations do not cash checks even though advertise that they do.

5708 Glenway Ave
Cincinnati, OH 45238
(513) 451-0900