Always Payday — Downtown/Grandview Branch
Fast Cash & Short-Term Loans in Columbus, OH — 1197 W. Fifth Ave
1197 W. Fifth Ave, Columbus, OH
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1197 W. Fifth Ave, Columbus, OH
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Store Hours
See hours table below
Online Loan Options from Columbus
Compare the loan and service products Always Payday offers, then apply online or visit the Downtown/Grandview branch in person.
From Local Search to Online Request
- Search for “cash advance near me” or “payday loans near me”, or find this page directly.
- Confirm the Downtown/Grandview branch address and hours below.
- Compare cash advance (payday) loans, installment loans, online loans and title loans.
- Call the branch or apply online to start your request.
- Bring ID, proof of income and a voided check if visiting in person.
Three Questions Before the Form
| Question | Where to look |
|---|---|
| How much can I borrow? | See Ohio loan limits below, or the Rates & Terms page. Learn more » |
| Cash advance or installment loan? | A cash advance (payday loan) is repaid in one short term; an installment loan spreads repayment over scheduled payments. Learn more » |
| Do I need to visit in person? | No — apply online for a cash advance or installment loan, or visit the branch in person. Learn more » |
Ready to Get Started?
Apply online in minutes, or call the Downtown/Grandview branch directly.
Apply Online Call 614-485-0400Downtown/Grandview Branch Information
1197 W. Fifth Ave, Columbus, OH
200 yds W of Kenny Rd.
| Monday | 10:00 AM–6:00 PM |
|---|---|
| Tuesday | Closed |
| Wednesday | 10:00 AM–6:00 PM |
| Thursday | 10:00 AM–6:00 PM |
| Friday | 9:00 AM–7:00 PM |
| Saturday | 10:00 AM–3:00 PM |
| Sunday | Closed |
Please call the branch to confirm hours and available services before visiting.
Map & Directions
Plan Your Visit
- Address: 1197 W. Fifth Ave, Columbus, OH
- Phone: 614-485-0400
- Bring a valid photo ID, proof of income, and (for loans) a voided check.
- Call ahead to confirm hours, especially on Saturday and Sunday.
Downtown/Grandview Branch Guide
On Fifth Avenue Near Kenny Road
This branch is at 1197 W. Fifth Ave in Columbus, about 200 yards west of Kenny Rd. on the edge of the Grandview area. Fifth Avenue runs east-west through this part of the city, and Kenny Road is the easiest cross street to use as a marker if you're driving in from either direction, rather than watching house numbers along a quiet stretch of the avenue.
Getting There
Call 614-485-0400 to reach the branch directly, or use the Get Directions button above to map a route from wherever you're starting. The storefront sits close to Kenny Rd., so once you reach that intersection you're only a short distance away, whether you're coming from the west side of Columbus or crossing over from Grandview itself. The branch is on the same side of Columbus as Grandview and the Fifth Avenue business district, so it's a convenient stop if you're already running errands nearby.
Hours and Services
The branch is open 10:00 AM–6:00 PM Wednesday and Thursday, 9:00 AM–7:00 PM on Friday, and 10:00 AM–3:00 PM on Saturday, and closed on Tuesdays and Sundays. It offers cash advance (payday) loans, installment loans, bill pay and prepaid cards, plus check cashing. Call ahead to confirm hours and services before you visit, especially if you're planning a Tuesday stop. Because the schedule shifts through the week, it helps to note the Friday hours in particular, since that's the one weekday with an earlier opening and a later close.
Ohio Short-Term Loan Rules
Ohio Short-Term Loan Act / "Ohio Fairness in Lending Act" (House Bill 123, 132nd General Assembly): enacted and effective October 29, 2018; short-term lenders were required to come into compliance by April 27, 2019 (the commonly cited 180-day compliance deadline).
Separately from short-term lending, operating a check-cashing business in Ohio has required a license from the Superintendent of Financial Institutions since January 1, 1993 (ORC 1315.22(A)). An applicant must be financially sound with a net worth of at least $25,000, maintained throughout licensure, and must meet fitness/background requirements (ORC 1315.23(B)). Licenses run through December 31 of the year issued, must be renewed annually, must be conspicuously posted at every location, and are not transferable or assignable (ORC 1315.23(C)). A separate application, investigation fee (up to $250, or up to $1,000 for an out-of-state principal office), and annual license fee (up to $500 per location) apply (ORC 1315.22(D)). The Ohio Department of Commerce's Division of Financial Institutions administers both the check-cashing license and the Short-Term Loan Act license.
Columbus Cash Advance & Payday Loan Questions
What are Downtown/Grandview branch hours?
Monday: 10:00 AM–6:00 PM. Tuesday: Closed. Wednesday: 10:00 AM–6:00 PM. Thursday: 10:00 AM–6:00 PM. Friday: 9:00 AM–7:00 PM. Saturday: 10:00 AM–3:00 PM. Sunday: Closed.
What is the phone number for the Downtown/Grandview branch?
614-485-0400. Tap to call.
Where is the Downtown/Grandview branch located?
1197 W. Fifth Ave, Columbus, OH. Get directions.
What is the maximum amount for a short-term (payday) loan in Ohio?
$1,000. A licensee cannot make a short-term loan for more than that amount under the Ohio Short-Term Loan Act (ORC 1321.39(A)).
What is the maximum interest rate on a payday loan in Ohio?
28% APR. Licensees can also charge a limited monthly maintenance fee and, for loans of $500 or more, a one-time 2% origination charge, but total fees are separately capped (ORC 1321.40).
Is there a cap on the total cost of a short-term loan in Ohio?
Yes. Total fees and charges a licensee collects on a short-term loan cannot exceed 60% of the originally contracted loan amount, not counting the check-collection charge, check-cashing fee, or interest on a refinanced loan (ORC 1321.403).
How long can a payday loan term be in Ohio?
Between 91 days and 1 year. A shorter term is allowed only if the monthly payment stays within a percentage of the borrower's verified income (ORC 1321.39(B)).
Is a cash advance in Ohio repaid in one payment or in installments?
Under Ohio's Short-Term Loan Act, a short-term (payday / cash advance) loan must generally run at least 91 days and no more than one year, so it is typically repaid over several scheduled payments rather than one lump sum. A shorter term is allowed only if each monthly payment stays within 6% of the borrower's verified gross monthly income (or 7% of net income). Source: ORC 1321.39(B).
When did Ohio's current payday lending law take effect?
House Bill 123, the Ohio Fairness in Lending Act, took effect October 29, 2018, and short-term lenders were required to be in compliance by April 27, 2019.
Can a payday lender in Ohio take my car title or other property as collateral?
No. Short-term loan licensees are prohibited from accepting a vehicle title, real property, or other collateral as security for the loan (ORC 1321.41(H)).