Cleveland, OH · Midwest · 36% APR cap
Payday loans in Cleveland
Cleveland is governed by Ohio's statewide lending law — cities don't set their own loan rules. Ohio does not license classic two-week payday pricing: a 36% APR cap keeps typical payday fees out of the market. The storefronts that remain sell installment products under that cap.
Classic payday pricing is not licensed here, so treat any two-week, high-fee offer as a red flag.
Lending storefronts in Cleveland
385,809 residents · Cuyahoga County Median household income is $26,150 — below the Ohio median of $55,714.
15 storefront locations of 6 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| ACE Cash Express Check Cashing/Pay-day Loans | 1499 E 55th St, 44103 | (216) 431-0500 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 5311 Memphis Ave, 44144 | (216) 661-1036 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans | 7310 Harvard Ave, 44105 | (216) 641-7614 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 14101 Kinsman Rd, 44120 | (216) 295-8135 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans | 1409 E 9th St, 44114 | (216) 348-0080 | Mon 8:00 AM - 6:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans | 7933 Euclid Ave, 44103 | (216) 721-5803 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 11648 Lorain Ave, 44111 | (216) 251-3169 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans | 11411 Buckeye Rd, 44104 | (216) 862-8039 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans | 15500 Euclid Ave, 44112 | (216) 268-4100 | Mon 9:00 AM - 7:00 PM · hours vary |
| Advance America Installment Loans | 13708 Lorain Rd, 44111 | (216) 941-5361 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance Pay USA Check Cashing/Pay-day Loans, Title Loans | 4308 Ridge Rd, 44144 | (216) 661-9801 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance Pay USA Check Cashing/Pay-day Loans, Title Loans | 4802 Turney Rd, 44125 | (216) 429-9801 | Mon 10:00 AM - 6:00 PM · hours vary |
| Lendmark Financial Services Auto Loan Providers, Installment Loans | 9531 Vista Way Unit 3C, 44125 | (216) 518-0104 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Phoenix Credit Installment Loans, Financial Advising | 6189 Mayfield Rd, 44124 | (440) 449-6666 | Hours not listed |
| SameDayCash Loan Installment Loans, Check Cashing/Pay-day Loans | Cleveland, 44114 | — | Mon 9:00 AM - 10:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Ohio page before visiting. Spot an error? Report it.
The online route in Cleveland
Online lenders can serve Cleveland without a storefront — but Ohio's 36% cap reaches any lender licensed in the state, wherever it is based. Loans routed through partner banks or tribal charters sit outside that cap, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Ohio regulator.
The rules behind the numbers
Short-term loans in Ohio are capped at a maximum 36% APR including all interest and fees under the Fairness in Lending Act.
Statute: R.C. § 1321.35 et seq. (Short-Term Loan Act)
Regulator: Ohio Division of Financial Institutions · com.ohio.gov
Questions people ask in Cleveland
Why doesn't Cleveland have classic payday stores?
Ohio caps small-loan APR at 36%, and that state cap applies in Cleveland exactly as everywhere else. At 36% a two-week $300 loan earns a lender about $4 — so classic payday pricing can't legally operate here.
What can I legally borrow in Cleveland?
Installment loans priced under the 36% cap, federal credit-union PALs, and employer advances are the lawful routes. Any storefront or site advertising two-week, high-fee payday pricing to Cleveland residents is not licensed here.
What lending storefronts are in Cleveland?
15 storefronts are listed in Cleveland in our 2022-02-20 directory snapshot (6 different companies). The full list with addresses, phones and hours is in the table above.
Who enforces the cap in Cleveland?
Complaints about a lender go to the Ohio Division of Financial Institutions (com.ohio.gov) — keep the loan agreement and every fee disclosure you were given.