Online Payday Loans Ohio

Welcome to Magnolia Payday Loans, your trusted resource for simple and quick online payday loans in Ohio. You’ve come to the right place if you have unforeseen bills, financial emergencies, or just need a little extra money to get you through till your next payday. We know that life can throw you some curveballs, and we’re here to help you handle them successfully.

We greatly enjoy offering a smooth and convenient borrowing experience suited to your needs at Magnolia Payday Loans. Even with bad credit, our online payday loans offer a lifeline when needed. Approval decisions are made instantly. We ensure you can fulfill your financial commitments without experiencing the stress and hold-ups sometimes connected with conventional loan organizations.

An Overview of Online Payday Loans in Ohio

Customers can quickly get fast cash with an online payday loan in times of financial emergency. They can, however, also come with hefty fees and interest rates that can keep borrowers in a never-ending cycle of debt. Payday lending is legal in Ohio, but rules and legislation are in place to protect customers.

Rates and Terms for Ohio Payday Loans

  • Loan Amount: from $100 to $1,000;
  • Loan Term: 91 to 365 days;
  • Interest Rates: 38% (APR)
  • Fees: Monthly maintenance fees – 10% of the loan’s principal, up to a maximum of $30;
  • Rollovers and Extensions: prohibited.

The Advantages of Ohio Payday Loans

You might have heard mixed opinions about payday loans, but they have their fair share of advantages, especially in Ohio. Here is what you get if you borrow payday loans online in Ohio:

  • Quick Cash: The application process is typically speedy, and you can often get the money you need within a day.
  • Easy to Qualify: Unlike traditional loans, lenders often have more relaxed requirements so that you can qualify more easily.
  • No Collateral Needed: With a payday loan, you won’t need to put up your car or house as collateral.
  • Flexibility: Ohio payday loans are typically small, short-term loans. It means you’re not tied down to a long-term commitment.

Can I Get an Ohio Cash Advance with No Credit Checks?

Regarding a payday loan online, Ohio has some laws in place. While trusted payday loans lenders may advertise “no credit check” loans, this is not always the case. They will typically still want to know about your financial condition and income to ensure you can return the loan. Also, no credit check payday loans will be more expensive than other loans.

Even if your credit history could be better, some choices can work for you. It might not be a straight-up “no credit check” situation. Research the company, read the loan agreement, and compare prices before signing anything.

How Can I Find Reliable Payday Loans Near Me?

Finding a reliable payday loan near you doesn’t have to be a wild goose chase. Here are some informal tips to help you out:

  1. Ask Friends and Family Members: Be bold and ask friends or family if they’ve been in a similar situation and where they sought help. Personal recommendations can be gold.
  2. Visit Local Stores: If you’re not into the whole online thing, you can always visit local payday loan stores in your area. Try Magnolia Payday Loans near you and apply in-store.
  3. Compare Rates: Before you commit, compare interest rates and fees from different direct lenders. You want to make sure you’re not getting a raw deal.
  4. Read the Fine Print: See all the terms and conditions carefully to know exactly what you’re getting into.
  5. Ask Questions: Don’t be afraid to ask questions if you’re unsure about something. A reputable lender will be happy to help clarify any doubts.

What Do You Need to Get Approved for Payday Loans in Ohio?

If you’re considering getting a payday loan in Ohio, you’ll need a few things to get approved. It’s pretty straightforward to meet these eligibility criteria:

  • Age and ID: At least 18 and have a driver’s license or state-issued ID card.
  • Income Proof: have a stable income source (at least $1,000 monthly).
  • Bank Account: have an active checking account.
  • Contact Info: have a phone number and an email address.

How to Apply for an Ohio Online Payday Loan?

Applying for an online payday loan in Ohio is pretty straightforward. Just follow these steps:

  1. Check Eligibility: Once you’ve found a lender, check their website or give them a call to make sure you meet their eligibility requirements. Typically, you’ll need to be at least 18 years old, have a steady source of income, and have a bank account.
  2. Gather Your Documents: Most direct lenders who provide online loans will ask for some documentation, so be prepared to provide your ID, proof of income (such as pay stubs or bank statements), and your bank account information.
  3. Fill Out the Application: Go to the lender’s website and complete their online application form. They’ll ask for personal information, employment details, and the loan amount you’re requesting.
  4. Review the Terms: Read through the loan terms and conditions carefully. Make sure you understand the interest rates, fees, and repayment schedule.
  5. Submit Your Application: Once satisfied with the terms, submit your application. It can often be done online, and you’ll get a response fairly quickly, sometimes within minutes.

Ohio Payday Loans Near Me

Are you looking for a payday loan in Ohio? Discover the Magnolia Payday Loans locations. We offer quick payday loans online to Ohio residents on the same day. Our extensive network of reputable lenders will approve your loan request in several minutes. Check our stores below:

 Magnolia Payday Loans

6 N Phelps St,
Youngstown, OH 44503

Youngstown Easy Loans

(234) 230-7465

 Magnolia Payday Loans

13403 Kinsman Rd,
Cleveland, OH 44120

Cleveland Easy Loans

(216) 672-0098

 Magnolia Payday Loans

3241 W Siebenthaler Ave,
Dayton, OH 45406

Dayton Easy Loans

(937) 716-2763

 Magnolia Payday Loans

135 6th St NE,
Canton, OH 44702

Canton Easy Loans

(330) 915-7075

 Magnolia Payday Loans

820 E Main St,
Trotwood, OH 45426

Trotwood Easy Loans

(937) 930-4059

 Magnolia Payday Loans

33 Public Square,
Nelsonville, OH 45764

Nelsonville Easy Loans

(740) 715-3694

 Magnolia Payday Loans

5 Jefferson St,
Portsmouth, OH 45662

Portsmouth Easy Loans

(207) 977-2796

 Magnolia Payday Loans

3281 Maple Ave,
Zanesville, OH 43701

Zanesville Easy Loans

(740) 562-6904

 Magnolia Payday Loans

144 W Northern Ave,
Lima, OH 45801

Lima Easy Loans

(567) 229-6739

 Magnolia Payday Loans

1380 S Arlington St,
Akron, OH 44306

Akron Easy Loans

(234) 231-8164

 Magnolia Payday Loans
Maple Heights

6154 Dunham Rd,
Maple Heights, OH 44137

Maple Heights Easy Loans

(440) 496-7058

 Magnolia Payday Loans

2157 Eakin Rd,
Columbus, OH 43223

Columbus Easy Loans

(380) 210-5071

 Magnolia Payday Loans

806 Main St,
Milford, OH 45150

Milford Easy Loans

(513) 666-5421

 Magnolia Payday Loans

1168 Cleveland Rd W,
Sandusky, OH 44870

Sandusky Easy Loans

(419) 504-5884

 Magnolia Payday Loans

2037 Elm Rd NE,
Warren, OH 44483

Warren Easy Loans

(586) 474-4619

 Magnolia Payday Loans

7335 Yankee Rd suite 150,
Middletown, OH 45044

Middletown Easy Loans

(513) 540-4706

 Magnolia Payday Loans

5800 Monroe St. Building D, Suite 2,
Sylvania, OH 43560

Middletown Easy Loans

(419) 500-4195


Our Products and Services

Payday loans

Get a short-term loan till payday and cover your utility or medical bills, even with a bad credit score. Apply for a cash advance loan up to $1,000 with a soft credit check.

Installment loans

Need more than 1,000 dollars? Get an installment loan and repay it with fixed monthly loan payments. Now, 5,000-dollar loans with lower interest rates are available.

Title loans

Get a secured loan using your car as collateral. The maximum loan amount depends on the value of your vehicle. Cover monthly bills and drive your car while repaying the loan.

Ohio Payday Loan Alternative Options

Here are some alternative options that can save you from those crazy high-interest rates and fees of a payday loan:

  • Credit Unions: First, consider joining a credit union if you haven’t already. They often offer small, short-term loans with much lower interest rates than payday lenders. They’re all about helping their members, not making quick cash.
  • Personal Loans: These are loans you pay back in smaller, regular installments over time. They’re much more manageable and can have way more reasonable interest rates compared to a payday loan. You can get up to $15,000 with a lower interest rate.
  • Loan Apps: Borrowing from cash advance apps might not be ideal, but it’s usually stressless, and they won’t send a goon to break your kneecaps if you’re a bit late on a payment.
  • Credit Card Cash Advance: If you’ve got a credit card, you can often get a cash advance. While it’s not the cheapest option, it’s usually more affordable than a payday loan.
  • Pawn Shops: If you’ve got something valuable lying around, you can pawn it for quick cash. Just make sure you can pay it back to get your stuff back.
Apply for Instant Online Payday Loans in Ohio!


  1. Can I get a payday loan with bad credit in Ohio?
    Sure, but remember, it will cost more than a traditional loan. A bad credit payday loan in Ohio is a short-term loan that can help you get extra money even if your credit could be better. When getting flexible loans for all expenses, poor credit scores aren’t a problem.
  2. Is there an instant approval for an Ohio payday loan?
    No, trusted payday loan lenders need time to assess your loan request and see if you meet all the requirements. That’s why they provide an answer after several minutes, up to one hour.
  3. Are payday loans in Ohio available with instant deposit?
    Usually, payday loans in Ohio are available with a direct deposit, but it isn’t instantly. Lenders will transfer the money on the business day after you submit the application form.
  4. How do I repay an Ohio payday loan?
    The direct lender will withdraw the loan principal and the interest from your checking account. Or you can set the electronic payments so you don’t forget to pay the payday loan.
  5. Can I go to jail if my payday loan is not repaid?
    No, the lender can only sue you in court or rely on collection agencies if you don’t repay your short-term loan.