Ohio Cash Advances and Installment Loans

Caught short between paychecks?
Our loans can help!

husband and wife stressed

Life can be as unpredictable as the Ohio weather. If you’re wondering how to cover expenses you didn’t see coming, think Check `n Go. Our payday loans range from $100 to $1500. Our online installment loans range from $250 to $5000.

Available 24/7, our online loan application is ready whenever you are. If your online payday loan or installment loan is approved, your funds could be deposited in your checking account as soon as the next business day.

Or you can apply for The Choice Loan at an Ohio Check `n Go store near you. We have more than 30 stores in cities throughout the state – including Cincinnati, Cleveland, Columbus, Toledo, Zanesville and more. If your loan is approved, you could receive your money on the spot. For convenience and safety, you could even have all or part of your loan funds loaded onto a Netspend prepaid debit card.

In addition to installment loans and the Netspend prepaid debit card, Check `n Go stores in Ohio offer check cashing and Western Union Financial Services. When you visit your local Check `n Go store, ask our friendly associates for more information about what we can do for you.

Are you ready to apply for a loan with Check `n Go? Apply online – or start your store application now, and finish at the store. To apply, you will need to have at least an active checking account, an active phone number, a valid ID and proof of income. To confirm what you’ll need to bring, call ahead to your local store. We hope to see you soon!


Privacy & Security

Whether online, over the phone, or at our neighborhood locations, we set the industry standard for integrity and security.

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Ohio Installment Loan Rates and Terms

Availability of Installment Loans

Check 'n Go offers installment loans online.

Governing Law

The loan agreement will be governed by the applicable laws of Ohio.  Questions or complaints should be directed to your state's regulatory agency.

Maximum Loan Amount

The maximum online loan amount for Ohio residents is $5000.

Fax of Pay Stub

Ohio requires that all Ohio customers have their most recent pay stub on file with Check 'n Go when receiving an installment loan.  For online customers, please fax or e-mail Check 'n Go your latest pay stub when applying to ensure timely processing of your loan.

Loan Terms

Only one loan is permitted at Check 'n Go, whether online or at a store.

Ohio Cash Advance Rates and Terms

Governing Law

The loan agreement and Credit Services Organization Agreement (if applicable) will be governed by the applicable laws of Ohio. Questions or complaints should be directed to your state's regulatory agency, available by clicking here.

Credit Services Organization

Online cash advances in Ohio are made by NCP Finance Ohio, LLC. Credit approval is subject to the lender's credit standards. Actual loan terms (including maximum advance amount) may vary by applicant. The lender may require certain supporting documentation with each new application. Complete disclosures of APR, fees, and payment terms are provided with each advance and are available from the lenders. For cash advances in Ohio, applicant must retain Check 'n Go as a credit services organization.

Maximum Cash Advance Amount

The maximum online loan amount for Ohio residents is $1500.00.

Cash Advance Terms

The minimum loan term is 10 days and the maximum loan term is 40 days. Only one loan is permitted at Check 'n Go.


You may extend your loan up to a maximum of 7 times. To extend your loan you must pay the current loan fee before the full amount must be satisfied. After paying the original loan fee, you will be contracted for an additional loan for which you will be charged an additional loan fee. Extension requests must be made 2 business days prior to your due date. You can request an extension by logging into your account or by calling customer service at 1-800-723-7022.

Extended Payment Plan

One extended payment plan is permitted one time every twelve months.

Hours of Operation for Online Customer Service
Monday – Friday 8am – 8pm (ET) Saturday 9am – 4pm (ET) Sunday Closed

7755 Montgomery Road Cincinnati, OH 45236

Online Disclosures
Customer Notice: Payday Loans are typically for two-to four-week terms (up to six months in IL). Some borrowers, however, use Payday Loans for several months, which can be expensive. Payday Loans (also referred to as Payday Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans 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. See State Center for specific information and requirements.

Check ‘N Go OH License #SM.501663, #CS.900077, and #CC.700416. Rhode Island licensed check casher. California operations licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law and the California Financing Law. Texas and Ohio originate by a third party lender, restrictions apply. Eastern Specialty Finance, Inc., D/B/A Check ‘N Go is licensed by the Delaware State Bank Commissioner pursuant to 5 Del. C. sec. 2201 et. al., and expires 12/31/2018.

Check `n Go Online is not a direct lender in Texas and Ohio, where instead it acts in the capacity as a Credit Services Organization in conjunction with NCP Finance Limited Partnership as the direct lender for both in-store and online loans. Integrity Texas Funding also acts a direct lender in Texas for in-store loans only.

*Approval depends upon meeting legal, regulatory and underwriting requirements. If approved, online loans are funded the next business day. All times and dates are based on Eastern Standard Time (EST). Check `n Go and third party lenders may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Check `n Go or third party lenders may take that into consideration in the approval process.

We do not report credit in Ohio.
Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. All available products subject to applicable lender’s terms and conditions. Actual loan amounts vary. See State Center for specific information and requirements.

Check `n Go currently operates online in: Alabama, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Maine, Michigan, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Texas, Utah, Wisconsin, and Wyoming.

Check `n Go currently operates in store locations in: Alabama, California, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, Tennessee, Texas, Utah, Wisconsin, and Wyoming.

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