Ohio Rates & Terms

View example finance charges.

Example Loan Amount: $500 (Bi-Weekly Pay Cycle)

Advance Amount:
(amount financed)
$500
Third—Party Lender Interest: $20.02
CSO Fee: $344.96
Finance Charge:
(cost of loan, assuming all payments are made as scheduled)
$364.98
Number of Payments: 7
Payment Amount: 7 bi-weekly payments of $123.57 with a final payment of 123.56*
Total Repayment Amount: $864.98
Loan Term: 3 months
APR** 395.481%

* Example is based on a funding date of Feb. 13, 2018, with the first payment on March 1, 2018.
**Annual Percentage Rate: The APR is the cost of your loan expressed as a yearly rate. The APR will increase if the actual loan term is shorter than this example, and will decrease if your loan term is longer.

Example Loan Amount: $1,000 (Bi-Weekly Pay Cycle)

Advance Amount:
(amount financed)
$1,000
Third—Party Lender Interest: $69.72
CSO Fee: $1,379.95
Finance Charge:
(cost of loan, assuming all payments are made as scheduled)
$1,449.67
Number of Payments: 13
Payment Amount: $188.44 with a final payment of 188.39*
Total Repayment Amount: $2,449.67
Loan Term: 6 months
APR**: 406.817%

*Example is based on a funding date of Feb. 13, 2018, with the first payment on March 1, 2018.
**Annual Percentage Rate: The APR is the cost of your loan expressed as a yearly rate. The APR will increase if the actual loan term is shorter than this example, and will decrease if your loan term is longer.

Example Loan Amount: $500 (Monthly Pay Cycle)

Advance Amount:
(amount financed)
$500
Third—Party Lender Interest: $15.99
CSO Fee: $345.00
Finance Charge:
(cost of loan, assuming all payments are made as scheduled)
$360.99
Number of Payments: 3
Payment Amount: $287.00 with a final payment of $286.99*
Total Repayment Amount: $860.99
Loan Term: 3 months
APR** 542.906 %

* Example is based on a funding date of Feb. 13, 2018, with the first payment on March 1, 2018.
**Annual Percentage Rate: The APR is the cost of your loan expressed as a yearly rate. The APR will increase if the actual loan term is shorter than this example, and will decrease if your loan term is longer.

Example Loan Amount: $1,000 (Monthly Pay Cycle)

Advance Amount:
(amount financed)
$1,000
Third—Party Lender Interest: $63.96
CSO Fee: $1,380
Finance Charge:
(cost of loan, assuming all payments are made as scheduled)
$1,443.96
Number of Payments: 6
Payment Amount: 5 payments of $407.33 with a final payment of 407.31*
Total Repayment Amount: $2,443.96
Loan Term: 6 months
APR**: 494.471%

*Example is based on a funding date of Feb. 13, 2018, with the first payment on March 1, 2018.
**Annual Percentage Rate: The APR is the cost of your loan expressed as a yearly rate. The APR will increase if the actual loan term is shorter than this example, and will decrease if your loan term is longer.

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Online Installment Loan Questions

How much money can I get?

Ohio residents can receive up to $1,500 with an online installment loan.

How much do installment loans cost?

The total loan fee (CSO fee) is calculated at loan origination and is divided equally among loan payments.

Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. Customers with credit difficulties should seek consumer credit counseling.

In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.

In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party.

CA: Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law. Installment Title Loans subject to minimum auto value requirements.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Opt+: This card is issued by Axiom Bank or Metropolitan Commercial Bank, Member FDIC, pursuant to a license from Visa. Visa is a registered trademark of Visa USA Inc. All trademarks and service marks are property of their respective owners. ATM: Free withdrawals at any Speedy Cash or Rapid Cash location. Transaction fees will apply for all other ATMs. No charge loads/unloads at Speedy Cash and Rapid Cash locations only.

Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply.