Payday loans in Akron, OH
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Akron, OH.
The median household in Akron earns $48,076 a year, 33% below the Ohio median of $71,389. About 23% of residents live below the federal poverty line, and 49.3% of households rent their home. When an unexpected bill hits before payday, Akron residents can request $100 to $1,000 online in minutes.
Ohio law that applies in Akron
| Maximum loan | A short-term loan may not exceed $1,000. |
|---|---|
| Fee cap | Interest is capped at 28% a year. |
| Rollovers | A lender may refinance a short-term loan only if the new loan stays within the 28% interest cap and no monthly maintenance fee is charged on it. |
| Loans at once | A lender (or its affiliates or employees) may not make you a new short-term loan while you still owe it one, except a permitted refinance. |
Full rules with statute citations: Payday Loans in Ohio. Cities in Ohio cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Akron
Lenders that serve Akron typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Akron
What Akron borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a payday loan in Akron
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Ohio.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Ohio does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Akron
48 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Huntington National Bank | 11 | 106 S Main St, Akron 44308 |
| PNC Bank, National Association | 8 | 2900 W Market St, Akron 44333 |
| JPMorgan Chase Bank, National Association | 6 | 1805 Brittain Rd, Akron 44310 |
| KeyBank National Association | 5 | 379 S Main St, Akron 44311 |
| Fifth Third Bank, National Association | 4 | 121 S Main St, Akron 44308 |
| U.S. Bank National Association | 4 | 3100 Manchester Rd, Akron 44319 |
| Citizens Bank, National Association | 3 | 1504 Canton Rd, Akron 44312 |
| Peoples Bank | 1 | 158 E Cuyahoga Falls Ave, Akron 44310 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Akron
12 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| Summit | 100 Wheeler St, Akron 44311 |
| Seven Seventeen | 1 N Hawkins Ave, Akron 44313 |
| National Police | 1810 Buchholzer Blvd, Akron 44310 |
| Towpath | 645 N Main St, Akron 44310 |
| Genfed Financial | 2492 Wedgewood Dr Ste B, Akron 44312 |
| Bfg | 445 S Main St, Akron 44311 |
| Buckeye State | 197 E Thornton St, Akron 44311 |
| Ohio Healthcare | 1174 Battles Ave, Akron 44314 |
| Firstenergy Family | 575 White Pond Dr Ste E, Akron 44320 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Summit County · Personal Loans in Akron
Frequently asked questions
Can I get a payday loan in Akron, OH?
Payday-style loans are legal in Ohio only as 'short-term loans' from lenders licensed under the Short-Term Loan Act (as rewritten by House Bill 123, effective 2019). You can request one online from Akron through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Akron?
A short-term loan may not exceed $1,000.
How fast can I get a payday loan in Akron?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Akron? Our form takes about 3 minutes.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on Ohio rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
Where can I get a payday loan in Akron?
You can visit a storefront in Akron or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
How much does a payday loan cost in Akron?
Interest is capped at 28% a year. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Akron borrowers in about 3 minutes.
Do payday lenders in Akron check your credit?
Most payday lenders check something, but it often isn't a traditional credit report. Many focus on income and banking history and may use alternative credit data or a soft check instead of a hard pull from the major bureaus. Each lender sets its own process and will tell you what it reviews. Submitting our form is free, and you can see if you qualify in about 3 minutes.
Do I need to visit a store in Akron?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.