Online Loans in Ohio

The Best Loans in Ohio 2022: Compare Loan Rates

Written by: Joe Chappius

Last updated: December 26, 2023

Financer.com helps you compare online loan rates in Ohio. Compare different loan options in Ohio and read more about the payday loan laws in the state.

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The Best Ohio Loans for April 2024

Borrow $1,000 for a period of 6 Months.

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Amount: $1,000 | Period: 6 Months

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We found 20 loans

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recommended

Chosen 5,757 times

4.9

Read 11 reviews

recommended

Chosen 5,757 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

4.9

Read 11 reviews

Open right now

High approval rate

Get Started

Customer Type

All

Borrow up to

$50,000

Estimated Payback

13/10/2024

Weekend Payout

Age

11 Reviews

4.9

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Chosen 92,620 times

3.7

Read 36 reviews

Chosen 92,620 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

3.7

Read 36 reviews

Open right now

Most chosen

Get Started

Customer Type

All

Borrow up to

$10,000

Estimated Payback

13/10/2024

Weekend Payout

Age

36 Reviews

3.7

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

recommended

Chosen 33,148 times

4.9

Read 17 reviews

recommended

Chosen 33,148 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

4.9

Read 17 reviews

Open right now

Get Started

Customer Type

All

Borrow up to

$35,000

Estimated Payback

13/10/2024

Weekend Payout

Age

17 Reviews

4.9

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Important

Please note that loan amounts, interest rates and other loan terms may vary according to your state and credit profile.

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How to Compare Loans in Ohio

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Best Rated Personal Loans

Find the best rated lenders for loans in Ohio

5.0

Based on 4 reviews

5.0

Based on 4 reviews

5.0

Based on 14 reviews

4.9

Based on 7 reviews

4.9

Based on 12 reviews

4.9

Based on 17 reviews

4.9

Based on 8 reviews

4.8

Based on 5 reviews

4.8

Based on 4 reviews

4.7

Based on 3 reviews

We've seen a decline in the number of unsecured loans that banks provide in the past few years. While it may be challenging to get a personal loan from a bank, you could still get financing by taking a payday loan.

The way payday loans are governed varies from state to state, and the laws in Ohio are quite different from the laws set in the other states.

Compare online loans in Ohio with our loan comparison tool above, or read more about online payday loan laws in Ohio below.

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Save more on your loan by comparing with us first.

Interests Loan amount Loan term

The Advantages of Online Ohio Loans

Online Personal Loans Are Convenient

Get Funds As Soon As The Same Day

Apply Anywhere, Anytime

Less Paperwork Required

Cash Advance Collections in Ohio

Cash advance borrowers in Ohio can defer their payments for up to 6 months. Lenders have two main options when it comes to collection rules. They can collect their loan without legal assistance or sell the debt.

Those collecting on behalf of the payday lenders should properly identify themselves to the borrower or his family. Harassing borrowers over the phone or calling after 9 p.m. is considered illegal.

A repayment plan is offered if you fail to meet the payment deadline. A lender has the right to file a legal case against you if you default a loan.

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Alabama Payday Loan Regulations

Legal Status	Legal
Interest Rate (APR)	28%
Max. Loan Amount	$1,000
Min. Loan Term	91 days
Max. Loan Term	1 year
Number of Rollovers	0
Finance Charges	28%
Statute of Limitations	8 years

Updated July 9 2022

Ohio has a $1,000 payday loan limit. Payday loans can be taken for the period from 91 to 1 year with a maximum interest rate of 28% (APR). One loan at a time is allowed. No rollovers are allowed. Criminal actions are prohibited.

Ohio used to be is a tricky place when it comes to payday loans. They were excessively expensive with APR reaching up to 677%* until October 2018, when Ohio changed its regulations for payday loans.

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Get the Loan You Need

An online personal loan can help when you need cash for large purchases or unplanned expenses.

Holiday

Wedding

Home Renovations

Bills

Shopping

Education

Online Loan Options in Ohio

The Short-Term Lender Law (STLA) was enacted in Ohio in 2008. If you want to get a cash advance in Ohio, here is more information on how this law protects consumers.

The payday lending law in Ohio can be regarded as one of the best when it comes to protecting consumers.

It prohibits lenders from making short-term loans available by mail, over the phone or through the internet.

The STLA requires all lenders to register with the state. Payday loans in Ohio are regulated by the Department of Commerce.

Thus, the interest rate and fees that lenders charge are determined by the state.

Here are some more additional protections in Ohio State:

Loan duration should not be less than 31 days;
The loan amount cannot be more than $500;
The interest rate is capped at 28%;
The loan amount should not exceed 25% of a borrower’s gross income.

The Ohio Supreme Court has held that payday lenders can also be mortgage lenders under the Mortgage Lenders Act.

According to Ohio law, only lenders who have been licensed and paid an application fee of $500 can collect their loans from defaulters.

All transactions by unlicensed lenders are rendered null and void, thus they cannot file any legal actions.

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Find the Cheapest Payday Loans in Ohio

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Compare Ohio Loans at Financer.com

Financer.com helps you compare the best personal loans in Ohio and get the best loan rates from leading lenders.

We look for lenders that offer full transparency and have a long track record of successful lending and satisfied customers. We are always improving our comparisons, but are confident in what we can bring to market, and we know you will be as well.

Use our free loan comparison tool to find the right personal loan in Ohio and take the guesswork out of doing all the legwork yourself.

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