Always Payday — Hilliard Branch
Short-Term Cash Loans & Payday Advance in Hilliard, OH — 4506 Cemetery Rd.
4506 Cemetery Rd., Hilliard, OH
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4506 Cemetery Rd., Hilliard, OH
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Store Hours
See hours table below
Online Loan Options from Hilliard
Compare the loan and service products Always Payday offers, then apply online or visit the Hilliard 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 Hilliard 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 Hilliard branch directly.
Apply Online Call 614-529-0900Hilliard Branch Information
4506 Cemetery Rd., Hilliard, OH
1/4 mi S of I-270
| 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 | 12:30 PM–4:30 PM |
Please call the branch to confirm hours and available services before visiting.
Map & Directions
Plan Your Visit
- Address: 4506 Cemetery Rd., Hilliard, OH
- Phone: 614-529-0900
- Bring a valid photo ID, proof of income, and (for loans) a voided check.
- Call ahead to confirm hours, especially on Saturday and Sunday.
Hilliard Branch Guide
A Quarter Mile South of I-270
This branch is at 4506 Cemetery Rd. in Hilliard, about a quarter mile south of I-270. If you're coming off the interstate, Cemetery Rd. is the road to follow, and the short distance from I-270 makes this an easy stop for anyone traveling through the area, not only those who live nearby. Hilliard sits on the western edge of the Columbus metro area, and I-270 makes this branch easy to reach whether you live locally or are driving in from elsewhere.
Getting There
Call 614-529-0900 to reach the branch directly, or tap Get Directions above to route from your location. Because it sits so close to I-270, this branch is easy to reach from several directions around Hilliard, whether you're coming from within town or passing through on the interstate. Cemetery Rd. runs parallel to the interstate for part of its length here, which makes the branch simple to find even on a first visit to Hilliard.
Hours and Services
The branch is open 9:00 AM–7:00 PM Monday through Friday, 9:00 AM–5:00 PM on Saturday, and 12:30 PM–4:30 PM on Sunday. Along with cash advance (payday) loans, installment loans, bill pay and prepaid cards, plus check cashing, this branch also handles Western Union money transfers. Call ahead to confirm hours and services before visiting. The Sunday hours are shorter than the rest of the week, so plan a weekday or Saturday visit if you'd rather avoid a Sunday trip.
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.
Hilliard Cash Advance & Payday Loan Questions
What are Hilliard 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: 12:30 PM–4:30 PM.
What is the phone number for the Hilliard branch?
614-529-0900. Tap to call.
Where is the Hilliard branch located?
4506 Cemetery Rd., Hilliard, 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)).