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Ohio Rates & Terms

View example finance charges.

Advance Amount:
(amount financed)
$100 $200 $300
Finance Charge:
(cost of loan) *Assuming all payments are made as scheduled
$46.52 $92.94 $139.55
Number of Payments: 4 4 4
Payment Amount: 4 payments of $36.63 3 payments of $73.23 with a final payment of $73.25* 3 payments of $109.89 with a final payment of $109.88*
Total Payment: $146.52 $292.94 $439.55
Loan Term: 130 Days 130 Days 130 Days
APR** 185.545% 185.355% 185.536%

** Annual Percentage Rate: The APR is the cost of your loan expressed as a yearly rate. The above APR is based on example loan terms of 4 installments due over 130 days. The APR will increase if the actual loan term is shorter than these examples, 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 $500 with an online installment loan.

How much will my loan cost?

For example, if you borrow $200 for 130 days, and make one payment per month, then you will pay approximately $92 in fees - plus the amount you borrowed - which comes to approximately $292 total. However, if you choose to pay off your loan early, then your APR and fees will also decrease.

When will I have to pay back the money I borrow?

Your loan payments will be due every 30 days, regardless of pay cycle.

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Product types and maximum loan amounts vary by market. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

Instant funding is not applicable for all debit cards and is not available in Ohio, Oklahoma, Oregon, or South Carolina. Subject to system limitations. Some restrictions may apply.

Cash advances only available up to approved credit limit; some restrictions may apply.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

Alabama: Minimum age to apply in Alabama is 19.

California: Deferred deposit loans are provided in accordance with the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

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.

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 and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free),

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