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Cash Advance in Cincinnati, 45219

Cincinnati houses over 300,000 industrious residents. The "Queen City" is home to vibrant cultures and industries, pushing the state's economy forward.

However, a financial emergency or a costly monthly payment may cause stress. In times of emergency, borrowers can turn to payday loans.

If you need extra cash for important expenses, this article has essential information on how payday loans in Cincinnati work.

Services available

A cash advance loan gives you the money you need upfront in a short time and for every purpose

Payday loans

A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck.

Fast Cash Loans

With a cash advance loan, you can get the money in just a few hours. No more waiting for days or weeks for a loan approval!

Short-term loans

A short term loan is a type of loan that is obtained to support a temporary personal or business capital need.

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Customer Reviews

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What are Payday Loans?

A payday loan is a short-term personal loan that gives immediate cash to a qualified individual for emergency expenses. They typically provide smaller amounts with high-interest rates and fees added to the borrowed funds.

They are also known as cash advances.

Though helpful in receiving quick cash, payday loans include interest and fees combined into an annual percentage rate or APR. The APR will change depending on the borrowed amount but cannot exceed 28%.

Before starting the payday loan process, note these details:

  • Minimum Loan Term: 14 days
  • Maximum Loan Term: 31 days
  • Minimum Loan Amount: $100
  • Maximum Loan Amount: $1,000
  • Cooling-off Period: 90 days
  • Loan Extension: One repayment plan
  • Collection Fees: $20
  • Finance Charges: $30 or 10% of the loan amount (whichever is less)
  • Rollovers: None
  • Maximum Amount of Outstanding Loans: One

NOTE: If you are unable to pay back the loan funds by the deadline, you may incur late repayment fees.

Requirements for Cincinnati Payday Loans

To be eligible, check that you meet and submit these Cincinnati, OH, payday loan requirements:

  • Active checking account
  • Social Security number
  • Contact details
  • Valid Government-issued ID
  • At least 18 years old
  • Proof of monthly income

How to Choose the Right Loan Type

Cincinnati allows different loans with varying uses, terms, and limitations. These are other loan types and what they are used for:

  • Installment Loans: Installment loans are long-term loans that give customers money that must be repaid in portions over several months.
  • Mortgages: Mortgages use homes as collateral to get the loan, but borrowers risk losing the home if they cannot repay the borrowed money.
  • Title Loans: A title loan uses a vehicle as collateral, but the car may be repossessed if the loan is not paid.

To choose the right loan type, ask yourself these questions:

  • What will I use the borrowed cash for?
  • Can my income match the full loan amount?
  • Is the loan limit enough for my needs?
  • How soon do I need the cash?

Understanding the loan’s terms and regulations is crucial in deciding which loan suits your needs.

Cincinnati Payday Loans With Third-Party Lenders

OH, payday loans are generally accessible, but what about online loans?

Thanks to the internet, online payday loans work like in-person loans. Interested borrowers can fill out our online inquiry form to start the inquiry process.

After pre-approval, you will be contacted by a lender from our network of third-party lenders for fast, secure online loan services.

Here are some of their beneficial online features:

  • Get the necessary cash within the same or the next business day
  • Secure data storage
  • Bad credit support
  • Transparent loan terms and fees
  • State law compliance

Through their online services, you can access immediate cash for monthly fees and other expenses.

Can You Get Payday Loans in Cincinnati With Bad Credit?

Cincinnati allows bad credit payday loans since lenders typically focus more on the borrower’s ability to meet the loan’s deadline than their credit history.

Payday Loan Laws in Cincinnati

Like other Ohio cities, Cincinnati follows the state’s laws on Small Loans, protecting customers from predatory lenders.

Part of the Small Loans Act details requirements that anyone getting a loan must give to a lender. Ohio Rev Code § 1321.46 states:

“At a minimum, the licensee shall obtain from the borrower one or more recent pay stubs or other written evidence of recurring income, such as a bank statement.”

That’s why it’s important to prepare all the necessary requirements before beginning the loan inquiry process.

Conclusion

When financial challenges wear Cincinnati residents down, payday loans are a legal option that benefits many.

Fill out our online inquiry form today and wait for a lender to contact you after pre-approval.

FAQs

This section answers common payday loan questions.

What Are the Best Payday Loans?

The best payday loans have these features:
APR transparency
Realistic loan deadlines
Follows city loan laws
Accessible for bad credit

Why Are Payday Loans So Popular?

Payday loans are generally accessible for those who cannot qualify for traditional loans. They offer immediate cash in small amounts that most can afford.

How Do Payday Loans Differ From Other Types of Loans?

Payday loans are exclusively short-term with high interest and fees. Other loans may have longer terms, higher borrowing amounts, and different uses.

Address

2898 Vine St Unit M, Cincinnati, OH, 45219

Open hours

Mon – Fri:

9am – 7pm

Saturday:

10am – 4pm

Sunday:

Closed

Phone Number

(513) 966-4120

Get the funds you need

When you need money urgently, you can visit one of our Florida location offices near your home. Primo Personal Loans in Florida are here to serve you!

Other Locations

Cash Advance in Cincinnati, OH

202 E 5th St Suite 4, Cincinnati, OH 45202

Cash Advance in Lexington, KY

265 Ave of Champions, Lexington, KY 40508

Cash Advance in Louisville, KY

208 W Broadway h, Louisville, KY 40202
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