Cash Advance and Payday Loans in Toledo, OH

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Cash advances include a wide variety of loans from traditional and non-traditional lenders. Payday loans are a cash advance product that allows borrowers to receive cash quickly. They are often used in cases of financial emergencies. Most notable about these loans is that they allow borrowers to evade the lengthy long-term debt repayment process attributed to traditional funding. Borrowers should expect to repay payday loans within two weeks or whenever their next paycheck arrives. Payday loans are a legal form of cash advance in Toledo, Ohio. Nonetheless, there are statewide rules and regulations for a secure cash transaction.

Benefits of Taking Out a Payday Loan in Toledo

There are many benefits of taking out a payday loan in Toledo, including:

  • Fast and secure access to cash. Payday loans present relatively simpler procedures and boast fast transaction times upon approval. Some borrowers can receive cash as soon as the next business day.
  • Straightforward applications. Some lenders even allow consumers to apply online.
  • Good credit is not required. Although lenders will run a credit check, the borrower’s credit score may not be the only factor determining creditworthiness. If the borrower can provide proof of income showing their ability to repay the loan on time, the lender may grant it.
  • An alternative to traditional lending. Payday lenders, especially online ones, do not require the lengthy paperwork and extensive requirements for approval that conventional lenders do.

How to Get a Cash Advance and Payday Loan in Toledo

Storefront lenders and online platforms are both good options for receiving fast and secure payday loans in Toledo, OH.

Compared to storefronts, online lenders keep the procedure simple. Before approval, lenders may ask for the following documents:

  • Personal information for identification, such as name, address, phone number, and email address
  • The borrower’s bank account number
  • Proof of income, including employer or company name

Online lenders may require more information in some situations.

Cash Advance and Payday Loan Requirements

Similar to traditional lenders, payday lenders in Toledo, Ohio, have specific requirements for borrower approval. In order to qualify for a payday loan, the borrower may need to:

  • Be at least 18 years old
  • Have a Social Security number
  • Be a legal resident of Toledo, Ohio, with proof of residency
  • Have an income of at least $1,000 per month
  • Have a current phone number and email address

Costs and Regulations of Cash Advance and Payday Loans in Toledo, OH

Ohio State law enacts plenty of strict rules for lenders and borrowers to abide by. The maximum legal amount for a payday loan is $1,000. The law requires applicants to have only one loan at a time and prohibits rollovers. Finance charges reach up to 28% with an annual percentage rate of 28%. The minimum loan period is 91 days and can last up to 1 year. Lenders may not file criminal charges against borrowers. Prospective borrowers should learn more about short-term loan regulations in Toledo, Ohio, to ensure they are not being exploited by lenders.

Installment Loans In Toledo

Installment loans – also called personal loans, car loans, and mortgage loans – are another form of short-term cash advance. Installment loans work on flexible repayment schedules instead of upfront repayment. The loan amount will be divided into monthly repayments, which borrowers agree to repay promptly. 

Requesting Title Loans In Toledo

Title loans are cash advances offered with the guarantee of the borrower’s forfeit of a title loan if the loan is not repaid. Collateral is an additional security measure for the lender should the loan default. To receive a title loan, the borrower must place their car, truck, or motorcycle as collateral. The vehicle’s title is transferred to the lender to keep as a guarantee for repayment and later returned to the borrower when they have repaid the loan.

The process for receiving a title loan is not all that different from traditional payday loans. The borrower will have to complete an online form application and present the vehicle title along with it.  The lender will examine the vehicle presented to determine its value. Residents of Toledo may need to present the following documents in order to apply for a title loan:

  • Government-issued ID
  • Proof of residency in Toledo, Ohio
  • Income source and employer information
  • Photos of the vehicle presented
  • Lien-free vehicle – if the borrower’s vehicle has a lien attached to it, they must first pay off their debt

Best Toledo, OH Cash Advance and Payday Loan Companies

Toledo, OH, boasts a wide range of storefronts and online lenders ready to meet borrowers’ financial needs.

Advance America offers plenty of storefront locations around the city, along with a resourceful website for borrowers to learn more about payday loans. They also offer installment loans for customers looking to repay a loan on an extended repayment schedule.

Like Advance America, Cash Plus offers a storefront location and an online platform to ease the process for many of its customers. Their services include payday loans, check cashing, prepaid MasterCard, and title loans.

With so many lenders available to Toledo residents, it is highly recommended potential borrowers perform the necessary research before applying for a loan.

Company name
Address
Phone
ACE AMERICAS CASH EXPRESS
1205 N Westwood Ave Toledo OH, 43607
419-531-6386
ACE AMERICAS CASH EXPRESS
1025 N Westwood Ave Toledo OH, 43607
419-531-6386
ACE AMERICAS CASH EXPRESS
923 Starr Ave Toledo OH, 43605
419-698-2274
ACES AMERICAS CASH EXPRESS
2917 Lagrange St Toledo OH, 43608
419-244-7512
Advance America
1042 West Alexis Road Toledo OH, 43612
419-476-8635
Advance America
5153 Glendale Avenue Toledo OH, 43614
419-380-9274
Americana Cash
1743 W Sylvania Ave Toledo OH, 43613
419-474-1411
Auburn Mini-Mart
2367 Auburn Avenue Toledo OH, 43606
419-472-9703
Automated Business Machines
5258 Enterprise Boulevard Toledo OH, 43612
419-726-1561
Cash Connection
32 South Reynolds Road Toledo OH, 43615
419-534-2274
Cash Connection
2940 Monroe Street Toledo OH, 43606
419-241-9100
CASH CONNECTION
21 S Reynolds Rd Toledo OH, 43615
419-464-7180
CASH CORNER
4400 Heatherdowns Blvd Toledo OH, 43614
419-380-8444
CASH CORNER
503 S Reynolds Rd Toledo OH, 43615
419-536-5761
CASH HERE
6901 Angola Rd West of Mccord Toledo OH, 43601
419-865-5583
CASH HERE
6901 Angola Rd Just West of Mc Toledo OH, 43601
419-865-5583
CASH PLUS INC
4011 Secor Rd Toledo OH, 43623
419-473-1900
CASH PRONOTO
2214 W Laskey Rd Toledo OH, 43613
419-474-7363
CASH PRONTO
2208 W Central Ave Toledo OH, 43606
419-472-2544
Cashland
5021 Lewis Ave Toledo OH, 43612
419-470-1661
Cashland
5742 Telegraph Rd Toledo OH, 43612
419-476-9362
Cashland
522 South Reynolds Road Toledo OH, 43615
419-578-9498
Cashland
246 East Alexis Road Toledo OH, 43612
419-476-9362
Cashland
4804 Lewis Avenue Toledo OH, 43612
419-470-1661
Cashland
2034 South Byrne Road Toledo OH, 43614
419-382-1180
CASHLAND
2034 S Byrne Rd Toledo OH, 43614
419-382-1180
CASHLAND
3247 W Alexis Rd Toledo OH, 43613
419-472-3073
CASHLAND
2222 N Reynolds Rd Toledo OH, 43615
419-535-5533
CASHLAND
246 E Alexis Rd Toledo OH, 43612
419-476-9362
Cashland Financial Services Inc
5742 Telegraph Road Toledo OH, 43612
419-476-9362
Cashland Financial Svcs Inc
2222 North Reynolds Road Toledo OH, 43615
419-535-5533
Cashland Financial Svcs Inc
3247 West Alexis Road Toledo OH, 43613
419-472-3073
Cashland Inc
522 S Reynolds Rd Toledo OH, 43615
419-578-9498
Central Clearing Co
2940 Monroe St Toledo OH, 43606
419-241-9100
CHECK CASHING
2472 Glenwood Ave Toledo OH, 43620
419-243-2274
CHECK CASHING
3365 Monroe St Toledo OH, 43606
419-243-2274
Check Cashing At Monroe Carryout
2829 Monroe Street Toledo OH, 43606
419-243-8834
Check Into Cash
6725 West Central Avenue Toledo OH, 43617
419-843-2231
Check Into Cash
3362 Glendale Avenue Toledo OH, 43614
419-382-9194
Check Into Cash
4925 Jackman Road Toledo OH, 43613
419-292-0855
CHECK INTO CASH
2040 Ottawa River Rd Toledo OH, 43611
419-729-5566
Check Into Cash Of Ohio Llc
4925 Jackman Rd Toledo OH, 43613
419-292-0855
Check Into Cash Of Ohio Llc
5315 Dorr St Toledo OH, 43615
419-535-5808
Check Into Cash Of Ohio Llc
6725 W Central Ave Toledo OH, 43617
419-843-2231
Check Into Cash Of Ohio Llc
3362 Glendale Ave Toledo OH, 43614
419-382-9194
Checksmart
5801 Telegraph Road Suite 15 Toledo OH, 43612
419-476-8785
Checksmart
1217 South Reynolds Road Toledo OH, 43615
419-382-5385
CHECKSMART
1217 S Reynolds Rd Toledo OH, 43615
419-382-5385
CHECKSMART
5801 Telegraph Rd Toledo OH, 43612
419-476-8785
CHECKSMART
4550 Monroe St Toledo OH, 43613
419-472-5007
Fast Cash Express Tax Place
325 West Alexis Road Toledo OH, 43612
419-269-8800
Fast Cash Express Tax Place
5001 North Summit Street Toledo OH, 43611
419-729-9400
Fast Cash Express Tax Place
5055 Glendale Avenue Toledo OH, 43614
419-382-2400
FAST CASH EXPRESS TAX PLACE
5055 Glendale Ave Toledo OH, 43614
419-382-2400
Fast Cash Of America Inc
5001 N Summit St Toledo OH, 43611
419-729-9400
FAST CASH OF AMERICA INC
5055 Glendale Ave Ste 3 Toledo OH, 43614
419-382-2400
Fast Cash Of Ohio Inc
325 W Alexis Rd Ste 1 Toledo OH, 43612
419-269-8800
Finance System Of Toledo Inc
2821 North Holland Sylvania Road Toledo OH, 43615
419-578-4300
First America Cash Advance
240 W Alexis Rd Toledo OH, 43612
419-478-8506
First American Cash Advance
240 West Alexis Road Toledo OH, 43612
419-478-8506
HOMETOWN CASH ADVANCE
4870 N Summit St Toledo OH, 43611
419-726-1600
HOMETOWN CASH ADVANCE
1455 S Reynolds Rd Toledo OH, 43615
419-381-8800
MONROE CARRYOUT
2829 Monroe St Toledo OH, 43606
419-243-8834
Monroe Pharmacy
4122 Monroe Street Toledo OH, 43606
419-473-1531
National Cash Advance
1515 South Byrne Road Suite 102 Toledo OH, 43614
419-382-5600
National Cash Advance
1744 West Laskey Road Toledo OH, 43613
419-474-2223
NATIONAL CASH ADVANCE
1515 S Byrne Rd Ste 102 Toledo OH, 43614
419-382-5600
NATIONAL CASH ADVANCE
1744 W Laskey Rd Toledo OH, 43613
419-474-2223
NATIONAL CASH ADVANCE
3015 N Holland Sylvania Rd Toledo OH, 43615
419-537-6987
Paymaster Check Protectors
2905 119Th Street Toledo OH, 43611
419-729-1221
QUICK CASH
1251 S Reynolds Rd Toledo OH, 43615
419-380-0977
QUICK CASH INC
3265 W Alexis Rd Toledo OH, 43613
419-475-1926
QUICK CASH INC
2631 Dorr St Toledo OH, 43607
419-537-1346
QUICK CASH INC
20 E Alexis Rd Ste B Toledo OH, 43612
419-476-8773
QUICK CASH INC
1577 W Sylvania Ave Toledo OH, 43612
419-478-4939
QUIK CASH
4225 Wickford Point Dr Toledo OH, 43607
419-537-1346
RAYS PARTY STORE
653 Main St Toledo OH, 43605
419-693-3969
RENT A CENTER
1524 Broadway St Toledo OH, 43609
419-242-0776
RENT A CENTER
4505 Monroe St Ste F Toledo OH, 43613
419-472-6066
Star Cash Advance
3725 Bellevue Road Toledo OH, 43613
419-609-1930
Sterling Food Store
3645 Upton Avenue Toledo OH, 43613
419-474-9131
Stop & Go
434 East Broadway Street Toledo OH, 43605
419-698-3510
Stop & Go
3645 Upton Avenue Toledo OH, 43613
419-698-3510
Stop & Go
3504 Lagrange Street Toledo OH, 43608
419-698-3510
Stop & Go
1806 Arlington Avenue Toledo OH, 43609
419-698-3510
Stop & Go
1223 North Byrne Road Toledo OH, 43607
419-698-3510
STOP & GO
1223 N Byrne Rd Toledo OH, 43607
419-531-8225
STOP & GO
1901 Broadway St Toledo OH, 43609
419-243-0752
STOP & GO
1806 Arlington Ave Toledo OH, 43609
419-382-9154
STOP & GO
2154 South Ave Toledo OH, 43609
419-385-5566
STOP & GO
1409 Western Ave Toledo OH, 43609
419-385-2274
STOP & GO
3645 Upton Ave Toledo OH, 43613
419-474-9131
STOP & GO
3519 W Alexis Rd # 23 Toledo OH, 43623
419-472-8908
STOP & GO
1620 Woodville Rd Toledo OH, 43605
419-691-4311
STOP & GO
434 E Broadway St Toledo OH, 43605
419-698-3510
STOP & GO
653 Main St Toledo OH, 43605
419-693-2764
STOP & GO
1505 Eleanor Ave Toledo OH, 43612
419-478-3391
STOP & GO
5015 Bennett Rd Toledo OH, 43612
419-476-2168
Stop N Go
3504 Lagrange Street Toledo OH, 43608
419-243-9494
Stop N Go 4 Daridi Inc
3504 Lagrange St Toledo OH, 43608
419-243-9494
Toledo Check Cashing Cent
4625 N Detroit Ave Toledo OH, 43612
419-476-4950
TOLEDO CHECK CASHING CENTER
4625 N Detroit Ave Fl 1st Toledo OH, 43612
419-476-4950

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