Cincinnati, OH · Midwest · 36% APR cap
Payday loans in Cincinnati
Cincinnati is governed by Ohio's statewide lending law — cities don't set their own loan rules. Ohio does not license classic two-week payday pricing: a 36% APR cap keeps typical payday fees out of the market. The storefronts that remain sell installment products under that cap.
Classic payday pricing is not licensed here, so treat any two-week, high-fee offer as a red flag.
Lending storefronts in Cincinnati
298,800 residents · Hamilton County Median household income is $33,604 — below the Ohio median of $55,714.
15 storefront locations of 9 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1667 E Kemper Rd, 45246 | (513) 771-5028 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 4787 Red Bank Expy, 45227 | (513) 271-3602 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 7990 Reading Rd, 45237 | (513) 761-4270 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans | 2516 Victory Pkwy, 45206 | (513) 751-2274 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 4981 Vine St, 45217 | (513) 641-0756 | Mon 9:00 AM - 7:00 PM · hours vary |
| Advance America Installment Loans | 10589 Springfield Pike, 45215 | (513) 771-1114 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans | 451-C Ohio Pike, 45255 | (513) 528-2100 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans | 8320 Colerain Ave, 45239 | (513) 923-2247 | Mon 10:00 AM - 6:00 PM · hours vary |
| Check'n Go Check Cashing/Pay-day Loans | 6212A Glenway Ave, 45211 | (513) 662-0200 | Mon 10:00 AM - 6:00 PM · hours vary |
| Eagle Loan Installment Loans | 4468 Eastgate Blvd Ste A, 45245 | (513) 528-1888 | Mon–Fri 9:00 AM - 5:30 PM · Sat–Sun Closed |
| Fifth Third Bank Banks & Credit Unions | 38 Fountain Square Plz, 45202 | (513) 579-5203 | Mon 8:00 AM - 5:00 PM · hours vary |
| GE Credit Union Consumer lending | 6990 Tri Cty Pkwy, 45241 | (513) 243-8100 | Hours not listed |
| Mainstreet Lending Auto Loan Providers, Installment Loans | 1014 Vine St Ste 1630, 45202 | (513) 427-6870 | Mon 9:00 AM - 6:30 PM · hours vary |
| one main financial Installment Loans, Auto Loan Providers | 6175 Glenway Ave ste c, 45211 | (513) 661-9939 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Stan's Lockland Pawn Shop Installment Loans, Pawn Shops | 608 W Wyoming Ave, 45215 | (513) 821-3962 | Mon 11:00 AM - 5:30 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Ohio page before visiting. Spot an error? Report it.
The online route in Cincinnati
Online lenders can serve Cincinnati without a storefront — but Ohio's 36% cap reaches any lender licensed in the state, wherever it is based. Loans routed through partner banks or tribal charters sit outside that cap, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Ohio regulator.
The rules behind the numbers
Short-term loans in Ohio are capped at a maximum 36% APR including all interest and fees under the Fairness in Lending Act.
Statute: R.C. § 1321.35 et seq. (Short-Term Loan Act)
Regulator: Ohio Division of Financial Institutions · com.ohio.gov
Questions people ask in Cincinnati
Why doesn't Cincinnati have classic payday stores?
Ohio caps small-loan APR at 36%, and that state cap applies in Cincinnati exactly as everywhere else. At 36% a two-week $300 loan earns a lender about $4 — so classic payday pricing can't legally operate here.
What can I legally borrow in Cincinnati?
Installment loans priced under the 36% cap, federal credit-union PALs, and employer advances are the lawful routes. Any storefront or site advertising two-week, high-fee payday pricing to Cincinnati residents is not licensed here.
What lending storefronts are in Cincinnati?
15 storefronts are listed in Cincinnati in our 2022-02-20 directory snapshot (9 different companies). The full list with addresses, phones and hours is in the table above.
Who enforces the cap in Cincinnati?
Complaints about a lender go to the Ohio Division of Financial Institutions (com.ohio.gov) — keep the loan agreement and every fee disclosure you were given.