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Cash Advance in Parma, 44129

Parma, a scenic suburban city of nearly 80,000 citizens in Ohio, is full of hard working citizens, modern amenities, and various businesses.

However, Parma citizens may run into financial struggles at any time. Ohio allows short-term lending with specific limitations for borrowers needing fast money.

Getting a cash advance in Parma is accessible, but keep reading to learn more about the terms and regulations first

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 Cash Advance Loans?

Cash advance loans are short-term loans that give borrowers a set amount. They are known as payday loans, as the loan’s due date often matches the debtor’s next paycheck.

However, borrowers must also pay interest and additional fees at an annual percentage rate (APR).

Each state has different APRs that combine the total additional loan costs into a single percentage. If a loan has a higher APR, the borrower must repay more.

Parma follows Ohio’s state regulations for cash advances and short-term loans.

These are the important details to remember for their cash advance loan process:

  • Maximum Loan Amount: $1,000
  • Minimum Loan Term: 91 days
  • Maximum Loan Term: 1 year
  • APR: 28%
  • Fees: These are the fee limitations:
    • Monthly Maintenance Fee: 10% of the principal loan amount or $30 (whichever is lower)
    • Origination Fee: 2% if the principal loan amount is above $500
    • Check Collection Charge: $20

Parma has specific regulations regarding cash advance loans:

  • A borrower’s loan term may be less than 91 days if the monthly loan payment does not exceed 6% of their gross monthly income or 7% of their net monthly income.
  • No rollovers.
  • Lenders cannot charge more than 28% APR.
  • While Parma borrowers can have loans from multiple lenders, their total loan amount cannot exceed $2,500.
  • The total loan, including APR and fees, cannot exceed 60% of the principal loan amount.

Requirements for a Parma Cash Advance Loan

To receive money from a cash advance loan, Parma borrowers must meet or submit these requirements:

  • Be at least 18 years old
  • Own an active bank account
  • Proof of income like bank statements or pay stubs
  • Valid government ID

Choosing the Right Loan Type

Various loan types have different uses and limitations. Understanding how they work is crucial to knowing which is the best option.

These are common loan types and their uses:

  • Installment Loans: Installment loans provide borrowers with a lump sum to be repaid in set portions.
  • Mortgages: Mortgages are long-term real estate loans where the borrower’s home serves as collateral.
  • Personal Loans: Personal loans offer smaller amounts and shorter terms.
  • Title Loans: Title loans use vehicles as collateral, and borrowers receive money based on the vehicle’s value.

Before starting any loan process, ensure you can manage the loan’s terms.

How to Get a Cash Advance Loan in Parma With Our Third-Party Lenders

When you need a quick and secure online cash advance loan, our third-party lenders provide guidance over the loan’s terms, processes, and requirements.

These are some of the many great features you can experience with their service:

  • Begin the loan process within a few minutes
  • Support for bad credit loans
  • Strong web security

To start the process, fill in our online inquiry form and wait for a lender to contact you.

Can You Get Bad Credit Cash Advance Loans in Parma?

You can get a cash advance with bad credit in Parma, OH. State laws do not require credit checks for smaller loans.

Parma Cash Advance Loan Laws

Ohio Rev Code § 1321.41 clarified that borrowers must sign a declaration form to guarantee they meet all requirements, especially the $2,500 loan limit.

It states: “Prior to making a short-term loan, a licensee shall require each borrower to sign a written declaration that, pursuant to this division, the borrower is eligible to receive the loan and shall make a concerted effort to verify the borrower’s eligibility.”


Parma has relatively flexible and accessible cash advance regulations. Remember, however, to only borrow what you can afford.

If you need money quickly through payday loans, fill out our inquiry form to begin the inquiry process. After pre-approval, a lender will contact you.


Below are answers to common questions about payday loans.

How to Consolidate Payday Loans?

Consolidating payday loans involves combining multiple loans into one loan.
These are the steps required:
Review current payday loan debts plus APRs.
Research consolidation options like personal loans.
Compare the option’s terms and APR.
Choose a consolidation option and start the loan process.
Use funds from the consolidation to pay off the existing loans.
Ensure you meet all loan terms to reduce overall debt.

How Many Payday Loans Can I Get?

Parma allows only one payday loan at a time.

How Do Payday Loans Differ From Other Types of Loans?

Payday loans have shorter terms with higher interest rates meant for immediate expenses. Other loans are usually long-term with larger maximum amounts. 


7636 W Ridgewood Dr #3, Parma, OH, 44129

Open hours

Mon – Fri:

9am – 7pm


10am – 4pm



Phone Number

(216) 294-2320

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