Always Payday — Northwest/Dublin Branch
Payday Advance & Personal Loans in Columbus, OH — 1980 Hard Rd.
1980 Hard Rd., Columbus, OH
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1980 Hard Rd., 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 Northwest/Dublin 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 Northwest/Dublin 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 Northwest/Dublin branch directly.
Apply Online Call 614-798-0400Northwest/Dublin Branch Information
1980 Hard Rd., Columbus, OH
Hard & Smokey Row Rds.
| Monday | 9:00 AM–7:00 PM |
|---|---|
| Tuesday | 9:00 AM–7:00 PM |
| Wednesday | 9:00 AM–7:00 PM |
| Thursday | 9:00 AM–7:00 PM |
| Friday | 9:00 AM–7:00 PM |
| Saturday | 9:00 AM–5:00 PM |
| Sunday | Closed |
Please call the branch to confirm hours and available services before visiting.
Find Us Online
Map & Directions
Plan Your Visit
- Address: 1980 Hard Rd., Columbus, OH
- Phone: 614-798-0400
- Bring a valid photo ID, proof of income, and (for loans) a voided check.
- Call ahead to confirm hours, especially on Saturday and Sunday.
Northwest/Dublin Branch Guide
Where Hard Road Meets Smokey Row
This branch sits on Hard Rd. in Columbus, right at its junction with Smokey Row Rd., in the far northwest part of the city near Dublin. If you're coming from Smokey Row Rd. rather than Hard Rd. itself, treat that intersection as your landmark — it's the clearest way to place this branch relative to the other Always Payday locations in the area.
Getting There
Call 614-798-0400 to speak with the branch directly, or tap Get Directions above for turn-by-turn navigation from your current location. Hard Rd. runs through a mostly residential and light-commercial stretch of northwest Columbus, so the Smokey Row Rd. intersection is a more reliable landmark than the surrounding street numbers alone. This part of Columbus sits along the border with Dublin, so drivers coming from either city can reach Hard Rd. without much extra travel time.
Hours and Services
The branch is open 9:00 AM–7:00 PM Monday through Friday and 9:00 AM–5:00 PM on Saturday, and closed on Sundays. Services include cash advance (payday) loans, installment loans, bill pay and prepaid cards, plus check cashing. Call ahead to confirm hours and services before visiting, particularly if you're planning to stop by later in the day. The full weekday schedule means there's no need to plan around a shortened day here, unlike some of the branch's shorter midweek hours elsewhere in the city.
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 Northwest/Dublin branch hours?
Monday: 9:00 AM–7:00 PM. Tuesday: 9:00 AM–7:00 PM. Wednesday: 9:00 AM–7:00 PM. Thursday: 9:00 AM–7:00 PM. Friday: 9:00 AM–7:00 PM. Saturday: 9:00 AM–5:00 PM. Sunday: Closed.
What is the phone number for the Northwest/Dublin branch?
614-798-0400. Tap to call.
Where is the Northwest/Dublin branch located?
1980 Hard Rd., 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)).