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Apply for Payday Loans Online in Ohio OH
Get Funds in 24 Hours!

From Akron, Cincinnati, Columbus or Cleveland, Finger Finance can help you find the best payday loans in Ohio at the snap of a finger. To borrow $100 to $35,000, simply click on 'Get Started' below and complete our online application form in less than 5 minutes. Get an instant decision and receive funds in 1 to 24 hours if approved. And yes, we consider bad credit scores and no credit check options too!

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on
the mean APR of the lenders we work with

Where Can I Find The Best Payday Loans in Ohio?

Finger Finance is delighted to offer a completely online experience if you are looking to borrow money in Ohio. You can complete our online form and we will match your requirements with the lender who is most likely to approve you and offer you the best rates, whether it is just $300, $500 or $5,000 dollars.

We work with a range of regulated lenders and providers including payday lenders, car loan companies, credit unions, stores, apps and more – but with a fully online process, we aim to fast-track your application and help you get a decision and receive funds into your bank account as quickly as we can.

We offer payday loans in Ohio in the following areas, but not limited to, Akron, Columbus, Cleveland, Cincinnati, Dayton, Parma, Toledo, Canton, Youngstown, Lorain, Hamilton, Springfield, Kettering, Elyria, Newark, Lakewood, Cuyahoga Falls, Dublin, Middleston and Beavercreek.

Key Features

  • Borrow $100 to $35,000
  • Apply online for free
  • No impact to your credit score
  • Get an instant decision on screen
  • Get the money in one lump sum, to your bank account
  • Repaid over 1 to 60 months in equal installments
  • Repay early anytime to save money

How to Apply for Payday Loans in Ohio Today

Click on ‘Get Started’ and decide how much you want to borrow and how long for. We will need some basic information including your name, age, address, monthly income, social security number, expenses and bank account details so that we know where to send the funds to.

We will also require your contact details of a cell phone number and email address and it is important that this information is accurate since you will need this to verify your loan and electronically sign your loan agreement.

You will receive an instant decision on the screen and if you wish to proceed, you will undergo some additional checks and once approved, can receive money into your bank account within 1 hour, the same day or next business day!


Step 1 - Submit Your Details

Enter your information in less than 5 minutes, choosing how much you wish to borrow and how long for and just some basic information about yourself too. Always try to give the most accurate information possible.


Step 2 - Instant Decision & eSign

We will connect your loan request with our esteemed lending partners and provide a decision on the screen – stating how much you can borrow and what rates have been offered. You will receive an online loan agreement with all the key terms and you can electronically sign this, known as an eSign.


Step 3 - Get Your Loan!

Once all checks have been completed by our partner lender, you should receive money into your account as quickly as possible.

Is an Ohio Payday Loan Right for Me?

Payday loans can be an expensive source of finance, but they are most effective when used for short term purposes. If you need to borrow money such as $300, $500 and $1,000 and you know that you can afford it and pay it back on your next pay date, then it can be very good to pay off a pressing bill or emergency expense.

But using payday loans if you are desperate or becoming reliant on them can be a little dangerous, since the interest rates and added fees can start to add up if you are unable to pay them.


Am I Eligible for a Payday Loan in Ohio?

  • Be at least 18 years of age or older
  • Be a U.S. resident
  • Have a checking account
  • Have a consistent income and employment
  • Be earning at least $500 to $1,000 per month
  • Can afford to make repayments

What Do I Need To Consider Before I Apply for a Payday Loan in Ohio?

Start by checking if you are eligible, and you must be over 18 years old and earning a regular income from work so that you can afford to make repayments on time.

The next biggest question you need to consider is whether you can afford to repay your loan on time. If you pay off your payday loan on the scheduled repayment date(s) with Finger Finance, you can have your emergency paid for and everything is sorted. But if you fall behind on repayments, this is where the rates kick in and they can get expensive.

So make sure that you have an action plan and can afford to repay it when the time comes and don’t be shy to ask the lender for help or an extension if you need it.

Also, it is helpful if you give accurate details about yourself, including where you live and your monthly income, since this will help us find the best loan in Ohio for you – and the most competitive rates too.

How Much Does a Payday Loan in Ohio Cost?

Based on a $500 payday loan, the repayments will cost you $546.225 after two weeks$592.27 after 1 month and $773.95 after 3 months.


Loan Term Interest & Fees Total Paid
2 Weeks $46.25 $546.25
1 Month $92.27 $592.27
6 Weeks $138.05 $638.05
2 Months $183.59 $683.59
3 Months $273.95 $773.95
4 Months $363.39 $863.39

Can I Repay My Loan in Installments?

Yes, you have the option to apply for a payday loan with Finger Finance and pay it back in 2 to 4 weeks, or you can opt for a longer term option, known as an installment loan, which is repaid in equal monthly installments over a period of 1 to 60 months.

You can select the repayment date that you would like to pay back your loan each month, with most of our customers selecting the day that they receive their wages from work. You can always repay early if you would like and pay off in full too – you just need to contact the lender directly or log into their portal and clear your accounts.

You will also receive reminders from the lender on the days leading up to each repayment, by SMS and email, just so that there are no surprises.


Can I Get a Same Day Loan in Ohio?

Yes, it is possible to receive loans in Ohio on the same day of applying. With a completely online application, the idea is that you can get a quick decision and receive funds today if approved.

There are a couple of things you can do to help secure funds today – such as applying to borrow $300 or $500 are usually quite automated and can be approved pretty fast. Once you start applying for loans of $1,000, $2,000 or $5,000, the lenders might have to be a bit more cautious and request proof of income or speak to you on the phone for confirmation.

With this in mind, you should try to make yourself available by email or phone in case there are follow up questions and naturally applying on a work day and during office hours will only help your case of getting money on the same day.

Do You Offer Payday Loans for Bad Credit Scores in Ohio?

Yes, Finger Finance can help if you are looking for payday loans with bad credit histories in Ohio – since we work with such a range of lenders that we can take all kinds of background into consideration.

If you have very poor credit, you may be offered alternative products from a credit union or a secured loan against your home or car (known as a title loan). Or perhaps you could be offered an installment loan, giving you several extra months to spread your repayment to make it easier to get back on your feet if you have bad credit.

We have a number of options available and if you have poor credit, you may find that you could be charged a slightly higher rate or the lender adjusts the amount you have requested to borrow.

Can I Find a No Credit Check Loan in Ohio Too?

Yes, there are no credit check options in Ohio available – so if you think that you might be declined because of your credit score, do not worry, we have options to help you too.

There are a number of products that do not require credit checks, such as those that are secured against valuable collateral, such as cars, bikes, vans or homes. We may also recommend a credit union which requires membership or a cash advance app which helps with different backgrounds and circumstances.

No matter what your credit score or history is, Finger Finance can help at the snap of a finger. Just make sure that you are over 18 and have a stable income so that you can afford monthly repayments.

Can I Get a Payday Loan in Akron, Cincinnati or Cleveland?

Yes, we can help you get a payday loan in any town or city in Ohio, working closely with lenders, unions, stores and apps that can offer you finance today. It does not matter where you are based in Ohio and even if you live there temporarily or permanently, most of our lenders operate nationally across the USA and can assist you with a range of products.

How To Apply For an Ohio Payday Loan with Finger Finance

With a completely online process, simply click on the button below and you will be taken to our online form which can be completed by desktop, mobile or tablet, 24 hours a day, 7 days a week. 

By entering your details, we will match your requirements with the best lender for you and you will receive a personalized loan offer on the screen. If you wish to accept, you can sign the electronic agreement and undergo some final checks from the lender. Once successfully, you can receive money into your bank account and restore some order in your household!


What is the Most I Can Borrow?

The most you can borrow with our lenders is £35,000 and your eligibility will be based on factors such as your income, affordability and you may require some form of collateral too for such a large amount. For small amounts, this will typically be unsecured.

Are Payday Loans in Ohio Legal?

Yes, very much so, such loans are regulated and legalised by the SEC and 33 other US states.

How Many Payday Loans Can I Have Open in Ohio?

You are only allowed to have one open payday loan in Ohio by law – this is to avoid being overdependent on high cost loans and taking on more debt than you can afford.

Do I Need Good Credit To Be Approved for a Loan?

Whilst having good credit can always help you get approved for loan products, it is not a requirement. We have a number of lenders who will gladly approve loans with poor credit or average credit scores.

Do You Charge Any Fees for Applying?

No, there are no fees for applying with Finger Finance and there never will be. You will only be charged the interest on your loan and this will clearly be presented to you in writing before you proceed.

Will Applying Impact My Credit Score?

No, our partners run a soft credit check so that it will not impact your credit score and will disappear shortly after. However, you should avoid making too many applications in a short space of time, since this could be flagged as being someone who is desperate for funds.

Can I Receive Funds in Less Than 1 Hour?

Yes, it is possible to get money in less than 1 hour. You will need to provide accurate information and ideally apply for a low amount. If you pass all the checks and are available if the lender calls or emails you, there is no reason why you cannot receive your loan in 1 hour, otherwise it will be 24 hours or the next day.

Is Finger Finance a Direct Lender?

No, we are a not a payday loans direct lender, but we work with more than 50 regulated, licensed and responsible companies. Our aim at Finger Finance is to save you time from going to each lender, one-by-one, and we can streamline your enquiry so that you can be matched with the best terms and the right lender for you.