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Cash Advance in Cleveland, 44113

Cleveland, OH, is home to over 300,000 citizens who support the economy through jobs in different industries.

But when financial struggles occur and Cleveland residents need fast cash, they may turn to payday loans.

Cleveland observes Ohio state regulations on payday loans which means they follow specific interest rates, fees, and deadlines.

If you want to get payday loans in Cleveland, this guide details the requirements and limitations you'll need to be aware of.

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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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Payday Loans Explained

In Ohio, a payday loan, or cash advance loan, is a short-term loan for personal expenses. They are called payday loans because the repayment deadline often falls on the borrower’s next paycheck.

Considered personal loans, online payday loans help customers who need small amounts of money to pay emergency costs like medical bills.

Borrowers repay the loan with interest and fees by the deadline. Lenders will consolidate such loans’ interest rates and fees into an annual percentage rate (APR).

Previously, most lenders charged extremely high APRs. Currently, the legal limit for APRs is 28%.

Before borrowing money in Cleveland, check these regulations:

  • Minimum Loan Term: 14 days
  • Maximum Loan Term: 31 days
  • Minimum Loan Amount: $100
  • Maximum Loan Amount: $500
  • APR: 28%
  • Cooling-off Period: 90 days between each loan (up to 4 loans per year)
  • Extension/Repayment Plan: One repayment plan
  • Fees: $15 for every $100, $20 late repayment fee
  • Rollovers: None

What You Need for a Payday Loan in Cleveland

Whether you get a payday loan through traditional financial institutions or online, securing the loan requires you to meet specific requirements and submit documents to payday lenders.

Ensure you provide or meet the following requirements before making a loan inquiry:

  • Have an active checking account
  • Be 18 years old and above
  • Valid government ID
  • Proof of income
  • Contact details such as phone number and email
  • Cleveland, OH, resident

Tips on Choosing the Right Loan Type

Loans differ in type and purpose. Check if the following loan types may be a better fit for your needs:

  • Installment Loans: Installment loans are for big purchases where a lump sum amount is given to a borrower’s bank account. The loan must be paid in set portions.
  • Title Loans: Title loans use a vehicle’s title as security to access the loan. If the loan is not repaid, the lender may repossess the borrower’s car.
  • Mortgages: Mortgages use real estate as collateral but may take the property due to late or no repayment.

These are tips to note:

  • Research loan limits and the interest rate per loan type to see which one you can afford.
  • Check if these loans require good credit or a hard credit check.
  • Understand whether the loan is secured or unsecured.

Cleveland Payday Loans With Third-Party Lenders

Searching for a cash advance lender online takes time and added effort. However, we can connect you to reliable third-party lenders providing online payday loan services in just a few clicks.

With direct features and state regulation compliance, getting OH cash advances online has never been easier.

To start the inquiry process, fill in our online inquiry form and wait briefly. After pre-approval, a lender will contact you with an offer.

Here are more of their helpful online features:

  • Bad credit support
  • Secured data encryption
  • Ohio law compliance
  • Get the loan online on the same or next business day

Getting Bad Credit Payday Loans in Cleveland

Cleveland, OH, permits bad credit payday loans. Some lenders will offer a no-credit check loan.

Payday loan companies often rely on your ability to pay the loan on time rather than credit history.

Cleveland Payday Loan Laws

The Ohio Residential Mortgage Lending Act details key regulations that a loan borrower and lender must comply with in Cleveland and other Ohio cities.

Ohio Rev Code § 1322.40(a) states that a lender cannot: “Obtain a certificate of registration or mortgage loan originator license through any false or fraudulent representation of a material fact or any omission of a material fact required by state law.”


Cleveland payday loans greatly help residents needing quick cash, even with poor credit.

To get the best payday loans online, complete our inquiry form today and wait for a lender to get in touch.


This section covers common payday lending questions.

How Many Payday Loans Can You Have?

You can only have one payday loan at a time in Cleveland.

Who Does Payday Loans Near Me?

The following institutions generally provide payday loans:
Credit unions
Online or in-person lenders

Why Do So Many People Use Payday Loans Despite the Potential Consequences?

People use payday loans because of a lack of other financial options or an immediate need for cash. They are also generally more accessible compared to other loan types, allowing more people to access funds quickly.


1959 W 25th St Suite 2, Cleveland, OH, 44113

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Mon – Fri:

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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

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1351 Euclid Ave Ste 103, Cleveland, OH 44115

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3111 W 117th St Suite E, Cleveland, OH 44111

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7636 W Ridgewood Dr #3, Parma, OH 44129
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