Payday Loans in Cincinnati, OH 45202
15M Finance can help people in need solve temporary financial problems quickly. Our payday loans in Cincinnati, Ohio, are available in minutes at our branch at 401 Vine St Suite 300 or can be obtained online via the website. It is convenient and simple: only your ID, proof of income and an active bank account are needed.
What are Payday Loans?
A payday loan is a small unsecured loan of up to $1,000. You can apply for it in a few minutes by visiting our branch or completing an application online 24/7. We have lenient eligibility requirements and simplified loan process, which allow you to receive money within 24 hours or earlier.
Same-day loans are useful when:
your salary is delayed; you need money for regular expenses like food, medicine, or rent; there is no time to complete a lengthy traditional loan process; you have a bad credit history or are not officially employed.
Visit 15M Finance Store at 401 Vine St Suite 300, Cincinnati, OH 45202
Our store is conveniently located at 401 Vine St, Suite 300, right in the center of Downtown Cincinnati. You can find us close to major landmarks, such as Fountain Square and the Duke Energy Convention Center. Nearby amenities include free parking options, coffee shops, and dining spots. Our dedicated staff is ready to help you find the right option for your financial needs.
Before applying, check the state’s laws regarding payday lending. Review the terms and interest rates for payday loans in Ohio.
Monday – Friday: 8:00 am to 7:00 pm
Saturday: 10:00 am to 6:00 pm
Sunday: Closed
15M Finance Loans & Services in Cincinnati
Whether you are looking for short-term or long-term financial solutions, 15M Finance can help. We offer:
Payday Loans
Payday loans are a quick way to get money if you need a small amount till your next payday. They fall into the short term loan category and provide amounts of up to $1,000. You can pay back the money within 91 days to 12 months. These loans provide fast financing within one business day and are available even with a bad credit rating.
Title Loans
Title loans in Cincinnati allow you to get money by providing your car's title as collateral. You don't have to leave your car to a lender while it’s pledged. With this loan, you can take out up to 50% of your car’s price and keep driving the vehicle.
Installment Loans
Installment loans can help you cover the cost of large purchases or expenses. They allow you to receive a lump sum deposit and pay it off in affordable installments according to a set schedule. You can take out a loan of up to $5,000 and repay it over 2 to 24 months.
Check Cashing
Our Cincinnati location offers immediate check-cashing services. Get your checks cashed quickly without the need for a checking account. Simply bring a valid government-issued ID and walk out with cash in minutes.
What You Need to Apply for a Loan with 15M Finance
15M Finance has easy-to-meet eligibility criteria. Our loans are available to those who:
are at least 18 years old; can provide a valid ID and SSN; have an active bank account; can provide proof of income and address.
Submitting an Application Through 15M Finance
15M Finance offers a simple application process that you can complete in minutes. Here’s what you need to do:
Fill out the application form. You can do this online or in a store in just 5 minutes.
Get a loan decision. It will be made within 15 minutes without a hard credit check involved.
Access the funds. If approved, sign the contract after reviewing your loan terms. Then, you can get cash immediately in a store or receive a direct deposit within 24 hours.
Our Loan Places in Cincinnati, Ohio, and Nearby
Our Cincinnati store offers fast and convenient payday loans to locals and applicants from nearby cities, such as Amberley, New Port, Covington, Fort Thomas, Monfort Heights, and others. You can also find us in other Ohio cities:
Commitment to Responsible Borrowing Practices
At 15M Finance, we stand for responsible borrowing and want to help our clients make smart financial decisions. Before applying for a payday loan, make sure you understand all the terms and conditions. Find out what your loan interest rates, repayment terms, and additional charges are.
Make sure you can comfortably repay the loan on time before taking on debt. Proper budget planning will help you avoid problems down the road. Payday loans should only be used in emergency situations. Keep in mind that their frequent use can lead to debt cycles.
Why Choose 15M Finance?
When it comes to payday loans in Cincinnati, 15M Finance offers unique advantages:
Instant approval. You will get a loan decision in minutes, while the money may be transferred on the same day. Excellent customer support. Our top-rated specialists are always ready to help you every step of the way. Transparent terms. All the loan details are clearly outlined in a loan agreement. No hidden fees or commissions are applied. Simple application. Filling out the application form takes only a few minutes. Flexible terms. We offer different loan options to meet your unique needs. No credit check. We do not check your credit history. Data security. We guarantee the privacy and protection of your data.
FAQ
Are payday loans legal in Cincinnati, OH?
Yes, payday loans are legal in Cincinnati, but Ohio state laws set some restrictions. The maximum loan amount is $1,000, with the repayment terms ranging from 91 days to one year. Shorter terms may be applied if monthly payments don’t exceed 6% of gross or 7% of net monthly income. The APR is capped at 28%.
What is the typical loan amount for a payday loan in Cincinnati?
Under state law, the maximum amount you can receive in Ohio is $1,000.
Can I get a payday loan in Cincinnati with no credit check?
Sure, you can. 15M Finance does not conduct a hard credit check and is mostly focused on a borrower’s income and overall financial shape. A soft credit inquiry we make doesn’t affect your credit and allows you to get a loan even with a low credit score.
Where can I get a payday loan?
You can complete an application online on the 15M Finance website or visit our branch if it is open now.
Can I take out more than one payday loan at a time in Cincinnati?
No, Ohio state laws allow borrowers to have only one payday loan at a time.
Do payday loans require collateral?
No, payday loans generally do not require collateral.
