Payday Loans in Dayton, Ohio

Dayton, Ohio, much like the rest of the state, operates within certain legal parameters when it comes to payday lending. These regulations set boundaries on loan amounts, interest rates, and term durations to ensure consumer protection. Let’s explore payday loans in Dayton Ohio in detail.
Payday Loans in Dayton Ohio
Payday Loans in Dayton, Ohio
During financially challenging times, the need for quick access to funds can be pressing, and that's where payday loans come into the picture. Before applying for payday loans in Dayton, Ohio, it's crucial to understand the landscape, the costs, and the regulations that frame this financial choice in the state.
In this article

In the heart of Ohio, the city of Dayton grapples with the economic ebb and flow, as do countless other urban centers. During financially challenging times, the need for quick access to funds can be pressing, and that’s where payday loans come into the picture. But before you step into the world of payday loans in Dayton, it’s crucial to understand the landscape, the costs, and the regulations that frame this financial choice.

Dayton, Ohio, much like the rest of the state, operates within certain legal parameters when it comes to payday lending. These regulations set boundaries on loan amounts, interest rates, and term durations to ensure consumer protection. For the people of Dayton, these regulations provide a degree of financial security when considering payday loans. So, if you’re seeking an efficient way to navigate short-term financial challenges, you’re in the right place. Beem offers the best personalised loan offers from various lenders. Welcome to the gateway to understanding payday loans in Dayton, Ohio.

Online Payday Loans in Dayton Ohio

Online payday loans in Dayton, Ohio, provide quick and convenient access to small-dollar, short-term loans for residents facing urgent financial situations. These loans, typically ranging up to $1,000, are regulated by state laws and offer a potential solution for those with immediate cash needs and a repayment plan in place. Here are some of the best options for getting online payday loans in Dayton, Ohio.

  • Check ‘n Go
  • ACE Cash Express
  • Force Cash Advance
  • CheckSmart
  • Ohio Loan Co Inc
  • Quick Cash Loans
  • Dayton Business Loans
  • National Cash Advance
  • Simple Cash Title Loans
  • Employee Loans


Beem, #1 alternative to instant cash advance, serves as a dependable ally in times of unexpected financial emergencies. This app provides swift access to sums ranging from $5 to $1,000, all without the hassle of credit verifications, interest fees, or income requirements. Beem’s efficient and uncomplicated procedures guarantee you swiftly acquire the vital funds you need. It stands as the favored option for individuals confronting sudden bills or unforeseen expenses, offering a stress-free remedy in moments of adversity.

Beem is your dependable solution when unexpected financial burdens come your way. With its user-friendly app and commitment to supporting individuals in times of need, Beem is a trusted companion for managing unexpected bills and expenditures without the stress of credit checks or interest fees.

Process and Requirements

Acquiring an immediate cash advance through Beem is a simple process. You can get started by downloading the app, registering with essential personal information, and completing the subscription. Within minutes, you can access the cash you need, and the best part is there are no credit checks or income requirements. 

All you need is a smartphone/laptop, valid identification, and an active bank account to fulfill the requirements and receive fast financial support.

Interest Rates

Beem, the best alternative to instant cash advance, offers instant cash with no interest, making it a cost-effective solution for those in need of emergency funds. This means you’ll repay exactly what you borrowed without any additional costs or hidden charges.

Pros of Beem

Beem offers numerous benefits that make it an ideal option for those in need of swift financial support:

  1. Beem extends instant cash without scrutinizing credit histories, making it accessible to individuals with diverse credit backgrounds.
  2. Beem’s unique feature is its zero-interest policy, ensuring borrowers don’t accumulate extra costs.
  3. Beem welcomes applicants from all financial backgrounds without imposing income limitations.
  4. Beem’s simple 3-step process provides a rapid and hassle-free way to obtain emergency funds, aiding users in addressing immediate financial requirements.

Check ‘n Go

Check ‘n Go, a Covington, Kentucky-based establishment founded in 1994, is a go-to for those seeking immediate financial solutions. It offers fast cash and payday loans designed to bridge the gap between paychecks, averting overdraft fees and late credit card charges and ensuring timely bill payments. The funds can be deposited into your account as soon as the following day, making it a convenient choice for individuals facing urgent financial needs.

Process and Requirements

Check ‘n Go prides itself on being a one-stop shop for swift financial requirements. To avail of their services, you generally must supply the following: valid identification (such as a driver’s license or Social Security card), your bank account information (including account number and routing number), and proof of income in the form of a paycheck stub. Once approval is granted, funds are typically deposited into your account within one business day, with a focus on transparent communication regarding payment details, balance, interest rates, and the deadline for full repayment. 


  1. Quick access to much-needed funds.
  2. A lifeline when traditional banks are unwilling to lend.
  3. Member of the Community Financial Services Association (CFSA), adhering to industry standards.


  1. High interest rates, which can result in costly borrowing.
  2. Despite comprehensive disclosures, some customers report needing clarification or guidance.
  3. Numerous negative online reviews suggest inconsistencies in service quality.
  4. Occasional delays in processing online applications.

ACE Cash Express

ACE Cash Express, established in 1968, specializes in offering short-term loans and alternative funding options, primarily catering to individuals who may struggle to secure loans through traditional financial institutions. Their payday loans typically range from $100 to $1,500, with repayment as a lump sum, contingent on state-specific regulations.

Process and Requirements

Accessing funds is made convenient with ACE’s mobile loan app or by visiting their official website. To initiate your loan application, you’ll provide your name, email, and state of residence, specify the desired loan amount, and create an account. The application will require personal information, including date of birth and social security number, as well as details about your income source and the bank account for fund transfer. Once submitted, if your loan is approved, you’ll e-sign the necessary documents.

Requirements to qualify for an ACE Cash Express loan include being at least 18 years old, being a U.S. citizen, having a verifiable source of recurring income, a working phone number, non-military status, residing in the state where you apply, and having an active bank account open for at least a month.

Interest Rates

ACE Cash Express doesn’t provide transparent fee and rate information upfront, making it challenging to compare with other lenders before applying.


  1. Installment and payday loans don’t require collateral, although auto title loans use your vehicle as collateral.
  2. Beyond payday loans, ACE offers various financial services.
  3. ACE’s streamlined approval process ensures quick access to funds when needed.


  1. Fees and interest rates may be higher compared to other lenders.
  2. The company has faced multiple lawsuits and regulatory actions.
  3. Reports of poor customer service experiences.

Force Cash Advance

Force Cash Advance offers a swift and straightforward solution for those in need of quick cash without the hassle of extensive paperwork. Their form is designed for speed, connecting borrowers with lenders who provide prompt responses to online inquiries. Once your request is received, it’s forwarded to potential lenders. The loan offer you receive is transparent, with all associated costs included in the fees, ensuring no hidden surprises. Loans of up to $5,000 can be obtained through this service.

Process and Requirements

To secure a cash advance loan, you simply complete an online inquiry form, which is then sent to potential lenders for a quick response. After pre-approval, you’ll receive an offer for a bad credit loan, complete with terms that you can review and accept if they meet your needs. Upon acceptance, you’ll receive a payment schedule and instructions for obtaining your funds.

Interest Rates

Force Cash Advance provides flexibility with online lenders who cater to various credit types, offering a clear payment schedule for borrower convenience.


  1. Collaborates with flexible online lenders accommodating different credit types.
  2. Borrowing becomes straightforward with transparent terms and a clear payment schedule.


  1. Unclear interest rates and fees
  2. The maximum loan amount is capped at $5,000


CheckSmart is a prominent financial services provider in Dayton, Ohio, catering to individuals and businesses alike. Their offerings include cash advances, bill payment, and check cashing services, presenting a comprehensive solution to address various financial needs. With convenient locations and extended hours, CheckSmart aims to improve financial wellness by offering accessible and diverse financial services.

Process and Requirements

Obtaining a payday loan from CheckSmart involves providing proof of income and identification. Applicants must typically verify their paystubs and ID and be at least 18 years old. The application process may also include online access, mobile number verification via text message, and identity verification. Once approved, borrowers can expect to receive their funds shortly after signing the necessary loan documents.

Interest Rates

CheckSmart’s interest rates and fees are due according to the specified repayment schedule.


  1. It offers a range of financial services, making it a one-stop destination for various financial needs.
  2. With multiple locations and extended operating hours, CheckSmart ensures easy access for customers.
  3. Provides diverse loan options to suit individual financial requirements.


  1. Interest rates and fees may be relatively high compared to traditional bank loans.
  2. Borrowers may need help in repaying the loans on time, potentially leading to additional financial strain.
  3. The payday loan cycle can be challenging to break for some borrowers.

Ohio Loan Co Inc

Ohio Loan Co Inc is a reputable lending company that provides online payday loans in Dayton, Ohio. They offer a streamlined application process on their website, making it easy for borrowers to access funds swiftly. While their interest rates can vary depending on the loan terms and amount, Ohio Loan Co Inc is known for its quick approval times and flexible eligibility requirements.

Process and Requirements

Applying for a payday loan through Ohio Loan Co Inc is straightforward. It involves filling out an online application form, providing identification and income proof, and having a valid bank account.

Interest Rates

The interest rates offered by Ohio Loan Co Inc can differ based on the specific loan details, so it’s advisable to review the terms before accepting the loan.


  1. Quick online application process
  2. Flexible eligibility criteria
  3. Rapid approval and funding
  4. Convenient access to payday loans
  5. Extensive network of lenders


  1. Interest rates may be relatively high
  2. Borrowers should exercise responsible borrowing and repayment.

Quick Cash Loans

Quick Cash Loans is a financial service provider that offers payday loans and installment loans in Dayton, Ohio. Their application process is quick and straightforward, allowing borrowers to address financial emergencies in as little as 30 minutes. While they provide credit flexibility, it’s important to note that the interest rates can be relatively high.

Process and Requirements

The application process for Quick Cash Loans can be completed in minutes either by visiting their Dayton store, calling (937) 971-4691, or applying online. Requirements include specifying the loan amount, providing personal and contact information, and sharing bank account details for fund deposits.

Interest Rates

Quick Cash Loans typically charge a finance fee ranging from $15 to $30 for every $100 borrowed. This results in interest rates that can range from 390% to 780% APR for a two-week loan. Rates may vary in states without rate caps.


  1. Rapid and easy loan application process
  2. Minimal eligibility requirements
  3. Speedy access to funds
  4. Suitable for addressing short-term financial needs
  5. Compliant with state and federal lending regulations


  1. Relatively high interest rates
  2. Borrowers should exercise caution and ensure they understand the terms before proceeding with a loan.

Dayton Business Loans

Dayton Business Loans is a financing solution provider in Dayton, Ohio, offering financial assistance to businesses. They specialize in matching businesses with top financing options tailored to their unique needs. The application process is quick and straightforward, with no minimum FICO score required. While offering fast funding, it’s important to consider the associated interest rates.

Process and Requirements

Dayton Business Loans provides a simple 15-second online application process, matching businesses with financing offers within minutes. To qualify, businesses typically need a minimum of 3 months in operation, monthly gross sales of $5,000 or more, and no specific minimum FICO score.

Interest Rates

Interest rates for Dayton Business Loans may vary depending on the financing option and lender you are matched with. Rates will be disclosed by the lender upon application.


  1. No minimum FICO score is required
  2. High funding amounts available
  3. Potential for same-day funding
  4. Simple and quick 15-second application process
  5. Multiple financing options for different credit profiles


  1. Interest rates may vary and could be relatively high
  2. Specific lender terms and conditions apply; borrowers should carefully review offers.

National Cash Advance

National Cash Advance provides loan solutions for various financial needs, including debt consolidation, home improvement projects, and emergency expenses. However, these loans cannot be used for educational expenses. National Cash Advance also offers National Cash Advance Health Care Lending for medical loans.

Process and Requirements

National Cash Advance loans are available to U.S. residents aged 18 and older (excluding Iowa and West Virginia residents) with a bank account and a Social Security number. To apply, you need to provide basic information and determine your potential interest rate. Register as a borrower, create a loan request, and investors will decide whether to fund it.

Interest Rates

Interest rates can vary, and National Cash Advance is most suitable for individuals with good credit seeking small loan amounts. The lender offers two repayment terms, three years or five years. 


  1. Loans starting at $2,000
  2. No prepayment penalty
  3. No minimum income requirements


  1. Fees for loan origination, late payments, and paycheck processing
  2. Limited loan repayment terms
  3. Potentially high interest rates

Simple Cash Title Loans

Simple Cash Title Loans provides a straightforward solution for quick cash through online title loans in Dayton, Ohio. They offer amounts ranging from $250 to $2,000, connecting borrowers with lending partners specializing in installment and payday loans. The service is designed for short-term financial needs, with a focus on offering convenience and speed.

Process and Requirements

To obtain a loan from Simple Cash Title Loans, you need to complete a brief online form inquiry, which typically takes only a few minutes. The entire process is designed to be swift and efficient, allowing borrowers to access funds promptly. However, detailed eligibility and documentation requirements are not specified in the provided content.

Interest Rates

The exact interest rates for Simple Cash Title Loans are not provided in the content, so potential borrowers would need to inquire further to understand the cost of borrowing.


  1. Fast and efficient process
  2. Quick access to funds


  1. Lack of detailed interest rate information

Employee Loans

Employee Loans offers payday loan services in Dayton, Ohio, catering to individuals facing short-term financial constraints. The process is straightforward, with an easy online application form. To qualify, applicants typically need to be U.S. citizens or residents, have a steady income source, and possess an active bank account. Specific requirements may vary by lender, so it’s essential to review the terms of each loan carefully. Employee Loans are a suitable option for those in need of immediate financial relief in Dayton.

Process and Requirements

The application process for Employee Loans in Dayton, Ohio, is straightforward and conducted online. Applicants need to be U.S. citizens or residents, demonstrate a steady income source, and maintain an active bank account. Specific lender requirements may vary, so reviewing the terms and conditions of each loan is crucial for a successful application.

Interest Rates

The interest rates for Employee Loans in Dayton, Ohio, vary depending on the lender and the applicant’s creditworthiness. Typically, rates range from 6% to 36% APR.


  1. Lower interest rates compared to traditional payday loans
  2. The application process is simple and convenient
  3. Repayments are automatically deducted from your paycheck


  1. Limiting access for unemployed individuals.
Payday Loans in Dayton Ohio

How We Picked Alternatives to Dayton Ohio, Payday Loans

When selecting alternatives to Dayton, Ohio, payday loans, our criteria prioritize affordability, accessibility, and responsibility. We focus on options with lower interest rates and fees, flexible repayment terms, and a commitment to financial education. 

These alternatives include various options, each offering varying benefits depending on your financial situation. We also emphasize the importance of building a savings or emergency fund as the ultimate safeguard against borrowing. By considering these factors, we aim to provide you with alternatives that promote financial stability and responsible borrowing practices.

How to Apply for a Dayton Ohio Payday Loan

To apply for a Dayton, Ohio payday loan, follow these steps:

  1. Verify Eligibility: Ensure you meet the age, income, and citizenship requirements for payday loans.
  2. Select a Lender: Research and choose a reputable payday loan provider in Dayton, Ohio.
  3. Gather Documents: Once you’ve selected a lender, prepare the necessary documents, including identification, income proof, and bank details.
  4. Complete Online Application: Fill out the lender’s online application form with your personal and financial information.
  5. Await Approval: Most lenders promise swift approval for the majority of applications.
  6. Review Loan Terms: Carefully review the loan agreement, including interest rates and fees, to fully understand the terms.
  7. Receive Funds: Once your application is approved, the funds will be deposited into your bank account, typically within the same day or one business day.

Eligibility Requirements

The eligibility requirements for online payday loans in Dayton, Ohio generally include the following:

  • Age: You must be at least 18 years old to apply for a payday loan.
  • Minimum Income: Most lenders require a minimum monthly income, typically around $1,000 or as specified by the lender.
  • U.S. Residency: You must be a legal U.S. citizen or resident to qualify for a payday loan in Dayton.
  • Bank Account: A valid U.S. bank account is necessary for loan transactions.
  • Steady Income: Demonstrating a consistent source of income is essential, often requiring proof such as pay stubs or bank statements.

No Credit and Bad Credit Payday Loans

No credit and bad credit payday loans offer financial solutions to individuals with limited or poor credit histories. No credit payday loans are tailored for those with minimal or no credit history, with eligibility determined by factors such as income and employment status. These loans can also serve as an opportunity to begin establishing a credit history. Beem offers the best personal loan offers to improve your credit score.

Conversely, bad credit payday loans are designed for individuals with low or poor credit scores, acknowledging that past financial challenges may not reflect their current repayment ability. However, these loans often come with higher interest rates to offset the increased risk. While both options provide short-term financial relief, it’s crucial to exercise caution due to their higher interest rates and use them responsibly.

Payday Loans with No Credit Check in Dayton, Ohio

Payday loans with no credit check in Dayton, Ohio, are short-term borrowing solutions that grant individuals access to funds without traditional credit assessments. While this feature can make them more attainable for those with poor credit or no credit history, it’s important to be aware that these loans often entail higher interest rates and fees.

Borrowers should exercise caution and thoroughly explore their options, as the cost of borrowing can become a financial burden if not managed prudently. Ohio, like many states, has established regulations governing payday lending practices, including limits on loan amounts and terms designed to safeguard consumers.

Same Day Payday Loans in Dayton Ohio

Payday loans with same-day approval in Dayton, Ohio, are a category of small-dollar loans that enable borrowers to obtain funds on the very day of their application. These loans are structured to address immediate financial needs, like unexpected medical expenses or urgent car repairs. To qualify for a same-day payday loan in Ohio, borrowers typically need to meet specific eligibility criteria, which may include age, income, and U.S. residency. Ohio has implemented regulatory measures to oversee payday lending practices, including setting limits on loan amounts and terms to protect consumers from excessive debt.

Cities in Dayton, Ohio Where You Can Find Payday Loans

Here is the list of cities in which you can easily avail of online payday loans in Dayton, Ohio:

Cities in Dayton, Ohio
Tipp CityGermantown
Huber HeightsBrookville
SpringboroXenia, OH

Regulations for Payday Loans in Dayton Ohio

Payday loans in Dayton, Ohio are subject to specific regulations aimed at safeguarding consumers from excessive debt and predatory lending practices. Key regulations and considerations include:

  1. Loan Amount Limits: Ohio law restricts the maximum loan amount up to $1,000. Lenders are prohibited from issuing loans exceeding this cap.
  1. Loan Term: Payday loans in Ohio typically have short terms, typically at most 1 to 3 months, although some providers offer extended options. This prevents borrowers from falling into long-term debt cycles.
  1. Interest Rate Cap: 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. This cap makes payday loans in Ohio more regulated and affordable compared to other states.
  1. Loan Renewals: Ohio law prohibits loan renewals or rollovers, preventing borrowers from taking out a new loan to repay an existing one, thereby curbing the cycle of debt.
  1. Repayment Plans: Ohio mandates that lenders must offer borrowers a repayment plan if they have borrowed from the same lender at least three times consecutively. This plan allows borrowers to repay the loan in installments, promoting responsible borrowing practices.

Cost and Risk Considerations

When considering payday loans, it’s vital to consider their cost and associated risks:

  1. Elevated Interest Rates: Payday loans often come with higher interest rates and additional fees, which can significantly increase the overall cost of borrowing. Even with Ohio’s interest rate regulations, the 28% APR can remain relatively high.
  1. Risk of Debt Cycle: The short repayment term and the inability to renew the loan may lead to financial strain if the borrower cannot repay the full amount on the due date. This situation can set in motion a cycle of debt that’s challenging to break.
  1. Financial Prudence: It’s wise to reserve payday loans for genuine emergencies and ensure a well-thought-out plan for repaying the loan. Exploring more economical financial options is advisable to minimize these financial costs and potential risks.

Alternatives To Payday Loans Online In Dayton Ohio

Here are three alternatives to payday loans online in Dayton Ohio.

1. Personal Loans

Personal loans present a financially sustainable alternative to payday loans, with larger amounts, fixed interest rates, and extended terms. They’re available from banks, credit unions, and online lenders. Some may require credit checks, but many accommodate individuals with imperfect credit, offering flexibility and accessibility. Get personalized interest rates on loans up to $100,000 on Beem.

2. Credit Card Advances

Credit card cash advances are available to cardholders, offering a cost-effective alternative to payday loans. Although they often come with higher interest rates compared to standard card purchases, they remain a more financially reasonable choice. It’s essential to scrutinize the specific terms and fees related to cash advances on your credit card for a well-informed decision.

3. Payday Alternative Loans

Dayton’s credit unions provide Payday Alternative Loans (PALs) as a fiscally responsible substitute for payday loans. PALs are small, short-term loans with lower interest rates, limited fees, and extended repayment schedules. Typically, PAL eligibility requires one month of credit union membership. PALs are preferred for their affordability and borrower-centric approach, making them a recommended option.

Explore convenient financial options with Installment Loans In Ohio Online, providing an alternative in the payday loan landscape for residents in Dayton, Ohio.

Common FAQs about Payday Loans in Dayton ohio

Can I get a payday loan online in Dayton, Ohio?

Yes, you can get a payday loan online in Dayton, Ohio, by completing an online application with a reputable lender. This provides a convenient way to access funds for your financial needs.

Are online payday loans legal in Dayton, Ohio?

Yes, payday loans are legal in Dayton, Ohio. However, they are subject to specific regulations and guidelines to protect consumers from excessive debt and predatory lending practices.

What is the maximum amount I can borrow through a payday loan in Dayton, Ohio?

The maximum amount you can borrow through a payday loan in Dayton, Ohio, is $1,000, subject to state regulations. 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.

Can I get a payday loan in Dayton, Ohio if I have bad credit?

Yes, it’s possible to get a payday loan in Dayton, Ohio, with bad credit. Some lenders are willing to work with individuals who have less-than-perfect credit histories, although the terms and interest rates may vary.

How quickly can I get a payday loan in Dayton Ohio?

Many lenders like Beem, ACE Cash Express, and Force Cash Advance promise swift approval for the majority of payday loan applications, and you can often receive the funds on the same day or within one business day after approval. This speed makes payday loans a suitable option for addressing immediate financial needs.

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Picture of Raman Gujral

Raman Gujral

An achievement-oriented professional, Raman has 10+ years of experience in B2B SaaS and B2C products across Fintech, Telecom, Digital Media, Social Media and Logistics domains. Defining and communicating product vision and strategy, product roadmap development, product positioning, and data analysis, he is also an expert in health insurance and personal loans content.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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