Get Your Cash Advance Online
Up to $5,000 with a simple online form
An unexpected bill in Ohio, whether a car repair, a utility notice, or a trip to urgent care, does not wait for payday. A short-term loan, often called a payday loan or cash advance, can help you bridge a short gap, and with Superb Cash Advance you can apply online in a few minutes for up to $500 with no hard credit check to get started.
Ohio rebuilt its payday loan rules in 2018, so loans here are repaid in affordable monthly installments with a 28% rate cap and limited fees, rather than as a costly single lump sum.
You can apply online or in person, whichever you prefer. Applying online is the fastest and most convenient option, and once you are approved you can review a free, no-obligation estimate before you decide whether to move forward.
In Ohio, payday and cash advance loans are made under the Short-Term Loan Act, which the state overhauled with House Bill 123 in 2018. A short-term loan can be up to $1,000, and you repay it in fixed monthly installments rather than all at once on your next payday.
Superb Cash Advance offers up to $500 in Ohio. The interest is capped at 28% a year, and the only added charges allowed are a monthly maintenance fee of up to the lesser of 10% of the amount or $30, a one-time 2% origination charge on loans of $500 or more, and limited check fees.
Lenders must be licensed by the Ohio Division of Financial Institutions, and total fees on a loan cannot exceed 60% of the amount you borrow.
| Loan amount | Term | Monthly payment | Total to repay | APR |
|---|---|---|---|---|
| $200 | 3 months | $90 | $269 | About 198% |
| $300 | 4 months | $109 | $438 | About 204% |
| $400 | 5 months | $116 | $578 | About 164% |
| $500 | 6 months | $122 | $732 | About 145% |
Representative example: borrow $500 over 6 months. With 28% annual interest, a $30 monthly maintenance fee, and a $10 origination charge, you repay about $732 in total, roughly $122 a month. That works out to about a 145% APR.
The APR is higher on smaller, shorter loans because the monthly maintenance fee is a larger share of the amount. We show your exact monthly payment, fees, and total before you sign.
Keep in mind: In Ohio a short-term loan is repaid in monthly installments, and you can repay early at any time with no penalty.
If money is tight, talk to us before a payment is due. Borrow only what you can comfortably repay, so the monthly payment fits your budget.
Source: Ohio Short-Term Loan Act, ORC § 1321.35 to 1321.48 (House Bill 123: $1,000 maximum, 28% interest cap, monthly maintenance fee up to the lesser of 10% or $30, 2% origination on loans of $500 or more, 60% total-fee cap, 91-day to 12-month term, $2,500 aggregate limit).
Short-term lenders are licensed and overseen by the Ohio Department of Commerce, Division of Financial Institutions. Last reviewed June 2026.
Here is what can happen when a payment is late or missed:
If money is tight, talk to us about your options first. You can also get free help from a nonprofit credit counselor through the National Foundation for Credit Counseling.
Payday loans are meant for emergencies and short-term cash needs. Because they can be expensive, it is worth comparing your options before you borrow.
Before you sign, make sure you understand the APR, the repayment schedule, and the total cost of the loan. That way you can make a choice that fits your budget, with manageable monthly payments you can keep up with.
Many residents use a payday loan to cover a small, unexpected cost before their next paycheck. Common reasons include:
Ohio law allows a short-term loan of up to $1,000, but with Superb Cash Advance $500 is the most you can borrow, and you can request the exact amount you need up to that limit.
Why we cap loans at $500: a smaller loan means a smaller, more manageable monthly payment. We lend only what you can comfortably repay, which protects you from falling behind, and it is in both of our interests that the loan is paid off on time without default. So even though Ohio permits up to $1,000, we keep our limit at $500.
The fastest way to get $500 is to apply online with your ID, income, and bank details ready. Most applicants get a decision, and approved funds can arrive the same business day.*
See the requirements and how it works on our $500 cash advance with no credit check page.
Are payday loans legal in Ohio?
Yes. Since 2018, payday and cash advance loans in Ohio are made as short-term loans under the Short-Term Loan Act.
Lenders must be licensed by the Ohio Division of Financial Institutions, interest is capped at 28% a year, and loans are repaid in monthly installments.
How much can I borrow with a payday loan in Ohio?
Ohio law allows a short-term loan of up to $1,000.
Superb Cash Advance offers up to $500, which keeps the monthly payments manageable and easier to repay on time.
How much does a $500 loan cost in Ohio?
On a $500 loan repaid over about six months, you would pay 28% annual interest, a $30 monthly maintenance fee, and a $10 origination charge, for a total of about $732, or roughly $122 a month.
That works out to about a 145% APR. We show your exact numbers before you sign.
How is an Ohio short-term loan repaid?
You repay it in fixed monthly installments over a term of 91 days to 12 months, not in one lump sum on your next payday.
You can also repay early at any time with no penalty.
Can I get a payday loan in Ohio with bad credit?
You do not need good credit to qualify. We primarily look at your income and your ability to repay rather than your credit score, so borrowers with limited or imperfect credit may still qualify.
Is there a credit check to get a payday loan?
Getting a quote uses only a soft credit inquiry, so it does not affect your credit score.
If your loan is approved, a hard credit inquiry may be completed, and national databases such as TransUnion, Equifax, LexisNexis, or FactorTrust may be checked before funding.
So there is no hard credit check just to request a loan, but one may be required before your loan is funded.
How fast can I get the money?
Most applicants get a decision within minutes. If you are approved, funds can reach your account or debit card quickly, sometimes the same business day or the next business day.*
What if I cannot repay my loan on time?
Because an Ohio short-term loan is repaid in equal monthly installments, there is no single lump sum due on payday. If a payment will be late, contact us before the due date, and remember you can pay the loan off early at any time with no penalty, which lowers your interest.
You cannot be jailed for an unpaid loan, and a lender can garnish wages only after suing you and winning in court.
What do I need to qualify for a payday loan?
To apply, you will need a government-issued photo ID, proof of U.S. citizenship and Ohio residency, and to be at least 18 years old.
You will also need a Social Security number, proof of income, an active checking account in your name, and a working phone number and email address.
Where can I report a problem with a payday lender in Ohio?
You can verify a lender's license and file a complaint with the Ohio Department of Commerce, Division of Financial Institutions, the state agency that oversees short-term lenders.
What are you waiting for?
Get a free quote in minutes, with no obligation. You only decide after you see the full cost.
✓ Free to apply✓ Quick online form✓ Secure and private✓ Clear repayment terms
2212 S Victory St #300, Houston, TX 77088 | (832) 345-9761
All lending products offered by Superb Cash Advance are contingent upon approval through our underwriting process. Applicable interest rates, loan terms, and fees are determined by the borrower's state of residence, creditworthiness, and other relevant factors. Product availability is not uniform across all states, and not every applicant will be approved or will qualify for the maximum loan amount. Full terms and conditions apply to each product. Cash advance products are meant to address immediate, short-term financial needs. They are not a replacement for responsible long-term financial management. If you are struggling with debt, we strongly suggest contacting a qualified credit counselor. When applying online, additional verification of your information may be needed prior to funding, which may extend the disbursement process by up to two business days.
Submitting a loan application through Superb Cash Advance does not affect your FICO® Score. As part of our review, we may consult a non-traditional consumer reporting agency. An application of this kind may appear on your record with that agency but will leave your FICO® Score unchanged.
USA PATRIOT ACT NOTICE: CUSTOMER IDENTIFICATION REQUIREMENTS: In accordance with Federal law, all financial institutions must obtain, verify, and keep a record of information that identifies everyone who opens an account. You will be asked to supply your name, street address, date of birth, and other identifying information when you open an account. A valid driver's license or comparable identification document may also be requested.
We are committed to making our website accessible to all users. If you use a screen reader or encounter barriers while browsing, please contact us at (832) 345-9761 for assistance.
* Funds may be deposited as soon as the same business day for applications approved before 11:30 AM ET. Applications approved later in the day are generally funded on the next business day.
© 2026 Superb Cash Advance Loans. All rights reserved.