Ohio Payday Loans
Apply online or in-store to get up to $1,000!
Customer Reviews
Our Locations in Ohio
Cash Loans Bear
Holland, OH
6910 Airport Hwy unit 13,
Holland,
OH 43528
(419) 452-4704
Cash Loans Bear
Fairborn, OH
3000 Presidential Dr # 200,
Fairborn,
OH 45324
(937) 971-5360
Cash Loans Bear
Liberty Township, OH
7570 Bales Street suite 410,
Liberty Township,
OH 45069
(513) 450-2915
Cash Loans Bear
Lewis Center, OH
7801 N Central Dr unit A,
Lewis Center,
OH 43035
(614) 714-1350
Not in Ohio?
We have 45 locations across the U.S.
Available Loans in Ohio
Payday Loans/Cash Advances
$100–$1,000
Term: 91 days–12 months (state-specific pro-consumer regulation)
Installment loans
$500–$5,000
Term: 2–48 months
Loan amounts, rates, and repayment terms vary based on lender and borrower eligibility. All products are subject to Ohio state lending laws.
Can I get bad credit loans in Ohio?
Yes, Cash Loans Bear considers borrowers with bad credit. We view your current income as more important than your credit standing. We conduct only a soft credit check during the pre-approval process. It will not impact your credit score.
About Cash Loans Bear in Ohio
Cash Loans Bear provides payday loans and installment loans to Ohio residents for a wide range of expenses. Our borrowers use loans to cover utility bills, rent, medical costs, car repairs, wedding gifts, emergency expenses, or other urgent costs. We accept applicants with all types of credit profiles, including bad credit.
Here’s what makes us a good choice:
Cash Loans Bear Helps with:
What Do You Need to Apply?
In some cases, lenders may require additional documents, depending on the situation.
How to Apply for Loans in Ohio?
-
Complete an application
Submit a secure online form or visit one of our Ohio locations. We’ll need some basic personal and financial information.
-
Get an instant decision
If you qualify, you’ll receive a loan offer with the amount, fees, and repayment schedule. We conduct only a soft credit check during the pre-approval process.
-
Receive your funds
After you accept and sign the agreement, the funds will reach your account the same day* or the next business day.
*Applications received by 10:00 AM are typically funded the same day. Applications submitted after 10:00 AM or on weekends and holidays are processed the next business day.
Frequently Asked Questions
Do direct lenders check my credit score?
Every legitimate lender conducts at least a soft credit check. If you accept an offer, the lender may perform a hard inquiry, which could impact your credit score. At Cash Loans Bear, we perform only a soft credit inquiry during the pre-approval stage.
How quickly can I receive funds?
Approved applications at Cash Loans Bear may be funded the same business day if submitted before 10:00 AM on weekdays. Otherwise, expect funds by the next business day.
Why are payday loan terms longer in OH compared to other states?
Ohio law sets the minimum loan term at 91 days. Most states allow terms as short as 14 days, but Ohio requires a longer period to give borrowers more time to repay. The maximum term is 12 months.
Are there alternatives to payday loans in Ohio?
You can consider credit union emergency loans, local assistance programs, or installment loans for bad credit in Ohio. Also, you may negotiate a payment plan directly with your creditor. Some of these options may cost less, though they can be harder to qualify for.
What happens if I cannot repay my loan on time?
Your loan agreement will outline any fees that apply to late or missed payments. Ohio law restricts what lenders can charge in this situation. Criminal action and wage garnishment without a court order are both prohibited. Contact your lender right away if you think you may miss a payment.
