Multi-location check cashing and financial services provider in the Cincinnati area offering payday advances, money orders, and bill payment services.
Editorially reviewed by Harvey Brooks
Cash Plus operates as a network of independently owned and operated financial services locations in the Cincinnati, Ohio area, including Springdale and Delhi. The company has established itself as a community-based provider of essential financial services for consumers who need quick access to cash and transaction services. Their primary focus is on check cashing and payday advance loans, which serve consumers who may lack traditional banking relationships or need immediate liquidity. The company maintains an online presence with location mapping and service information, though specific details vary by branch.
Cash Plus offers a diverse range of financial and non-financial services beyond basic check cashing. Core offerings include check cashing, payday advance loans, and money orders, with Western Union services available at select locations. The company also provides ancillary services such as notary public, fax and copy services, mailbox rental, stamps, bill payment, and wireless phone services. This bundled service model allows customers to handle multiple financial and administrative tasks at a single location, which is particularly valuable for customers without reliable internet access or traditional bank accounts.
What distinguishes Cash Plus is its multi-service hub approach and decentralized franchise model. Rather than being a monolithic chain with uniform pricing and policies, each location operates independently, which allows for local market customization but also creates variability in customer experience. The company explicitly discloses this independence on their website, and they direct customers to contact individual locations for specific details about services, fees, and requirements. This transparency about variation is notable, as is their commitment to displaying license numbers on individual location pages.
Cash Plus serves a functional role in the financial ecosystem for underbanked consumers, but potential customers should approach payday advances with caution. While check cashing and money orders are straightforward services, payday loans typically carry high interest rates and fees that can create debt cycles. The company's website makes clear that services, fees, and requirements vary significantly by location, which means customers cannot reliably compare terms across branches or plan budgets without direct contact. For consumers seeking payday advances specifically, exploring alternatives with APR caps under 36% would be prudent before committing to these potentially expensive products.
Yes. Cash Plus is a registered company headquartered in 139 E Kemper Rd, Cincinnati, OH 45246. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Cash Plus is best for underbanked consumers who need check cashing, money orders, and ancillary financial services in the Cincinnati area. The primary caveat is that payday advances carry high costs and interest rates—consumers should explore credit union PALs or other alternatives with APR caps under 36% before committing to these products, and should contact individual locations directly to understand the specific fees and terms that apply.
Advance America offers payday loans ($100–$500), installment loans (up to $1,000), and title loans (up to $25,000) with same-day funding at physical locations and online.
Best for: Workers with stable employment facing unexpected expenses between paychecks who can repay within 2–4 weeks, Vehicle owners with good credit needing $2,000–$25,000 and willing to use car title as collateral
Advance America offers same-day payday loans up to $500, installment loans up to $1,000, and title loans up to $25,000 in-store or online at 1,400+ U.S. locations.
Best for: Borrowers needing $100–$500 quickly before their next paycheck with no access to cheaper credit, People with poor or thin credit who are ineligible for personal loans from banks or credit unions
Cincinnati Short Term Loans W West Enterprises, LLC offers payday loans and short-term emergency cash advances in Cincinnati, Ohio with same-day or fast funding options.
Best for: Consumers in Cincinnati with urgent cash needs under $2,500 who have limited alternatives, Borrowers seeking same-day or next-day funding despite high costs
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