Cash Advance & Installment Loans in Columbus, Ohio

Always Payday Financial Centers provide quick payday loans, cash advances, and installment loans across 8 locations in Columbus and surrounding areas. When unexpected expenses arise, we help you access the cash you need with a simple, transparent process.

Up to $1,000 payday loans with flexible repayment
Simple application: online or in-branch
Apply online or in person at 8 local branches
8 convenient locations plus online application

Apply Now or find a branch near you ›

Loans marketed through alwayspayday.net are arranged by Preferred Loans, LLC, a licensed Credit Services Organization CS.900212.000, with OHCSO d/b/a Buckeye Loan Company, an unaffiliated third party lender.

How to Get a Cash Advance in 3 Steps

Apply

Fill out our short online application or visit any Always Payday branch. Have your ID, proof of income and bank account details ready.

Review

We verify your information and the lender reviews your request. If approved, you see the amount, fees and payment schedule before you sign.

Get Your Funds

Once you accept the terms, pick up your funds at a branch or receive them by direct deposit to your bank account.

Payday Loans, Installment Loans & More

Payday Loans Online

Short-term cash advance loans up to $1,000 under the Ohio Short-Term Loan Act, repaid over 91 days to one year. Apply online or in a branch.

Installment Loans

Spread repayment over scheduled monthly payments so each installment fits your budget. See the full payment schedule before you sign.

Online Loans

Start your request from home with our secure online application. No branch visit needed to apply; you can still call or visit us with questions.

Car Title Loans

Borrow against your vehicle's equity through our trusted lender partner. Straightforward terms, arranged through a licensed Ohio CSO.

Check Cashing

Licensed check cashing at our Columbus-area branches for paychecks, government and tax refund checks. No bank account required.

Money Services

Western Union money transfers, bill payment, and prepaid cards. Full financial services at your local Always Payday.

Ohio Short-Term Loan Rules at a Glance

Always Payday operates under Ohio's Short-Term Loan Act, which protects borrowers with clear limits on rates and fees. Your payday loan carries a maximum 28% APR, with monthly maintenance fees capped at the lesser of 10% or $30. Most importantly, your total costs—fees and interest combined—never exceed 60% of the loan amount. This means on a $500 loan, your costs are capped at $300.

$1,000max short-term loan

91 days–1 yrloan term

28% APRinterest cap

60%cap on total fees + interest

Source: Ohio Revised Code 1321.39–1321.403 (Short-Term Loan Act, HB 123). See Rates & Terms.

What Does a Cash Advance Cost in Ohio?

On a $500 short-term loan, your total interest and fees are capped at $300 (60% of principal). Interest is capped at 28% APR, and the monthly maintenance fee at the lesser of 10% or $30. Loan terms run 91 days to 1 year, keeping your monthly payments manageable.

What You Need to Apply

Valid government-issued ID (driver's license or passport)
Proof of income (recent pay stub or bank statement)
Active checking or savings account
Social Security Number for verification

Payday Loan or Installment Loan?

Payday loan / cash advance

In Ohio a short-term (payday) loan is capped at $1,000 and runs 91 days to one year, with interest limited to 28% APR and total fees and interest capped at 60% of the amount borrowed.

Installment loan

An installment loan is repaid in equal scheduled payments over a set term, so you know each payment in advance. It suits larger or longer-term needs better than a single short-term loan.

8 Always Payday Branches in Central Ohio

Always Payday has 8 branches across the Columbus area: Grandview, Northwest/Dublin, Northeast, Southeast and Southwest Columbus, plus Canal Winchester (Pickerington), Gahanna and Hilliard. Visit a branch for cash advances, installment loans, check cashing and bill pay, or apply online.

Grandview
1197 W. Fifth Ave, Columbus

Northwest / Dublin
1980 Hard Rd., Columbus

Northeast
2084 Dublin-Granville Rd., Columbus

Southeast
2260 S. Hamilton Rd., Columbus

Southwest
5524 Hall Rd., Columbus

Canal Winchester
3614 Gender Rd., Canal Winchester

Gahanna
246 Granville St., Gahanna

Hilliard
4506 Cemetery Rd., Hilliard

Cash Advance & Payday Loan FAQs

How much can I borrow in Ohio?

You can borrow up to $1,000 per payday loan. Ohio law prohibits borrowers from having more than $2,500 in total short-term loan principal across all lenders at one time. This aggregate cap protects you from over-borrowing.

What does a payday loan cost in Ohio?

On a $500 loan, your total cost is capped at $300 (60% of principal). Your payday loan carries a maximum 28% APR and monthly maintenance fees capped at the lesser of 10% or $30. For loans of $500 or more, there's a one-time 2% origination charge. All costs are transparent upfront.

What's the repayment term for payday loans in Ohio?

Short-term loans run 91 days to 1 year. You repay through scheduled monthly payments, not a single lump-sum repayment. Ohio law ensures your monthly payment stays within 6% of your verified gross monthly income (or 7% of net), protecting your budget.

Can I apply online for a payday loan in Ohio?

Yes! Always Payday's secure online application is short and simple. Apply from home or on your phone, or visit any of our branches. You can also visit any of our 8 branches.

What do I need to apply for a payday loan at Always Payday?

You'll need a valid government ID, proof of income (recent pay stub or bank statement), an active checking or savings account, and your Social Security Number.

Is Always Payday licensed and regulated?

Yes. Always Payday holds Ohio check cashing license C.C.700102.000. Our loans are arranged by Preferred Loans, LLC, a licensed Ohio Credit Services Organization, through an unaffiliated third-party lender. Loans follow the limits set by the Ohio Short-Term Loan Act.

Ready to apply? Start online or call 1-877-462-5929.

Apply Online