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Multi-location check cashing and financial services provider in the Cincinnati area offering payday advances, money orders, and bill payment services.
Data compiled from public sources
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 repeat-borrowing 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.
This is state-level context for Check Cashing & Money Services consumers in Cincinnati, OH. It does not confirm that Cash Plus or this specific location is licensed.
State regulator
Ohio Department of Commerce Division of Financial Institutions
Consumer protection
Short-term lending status: Restricted
General rate context: 28% APR cap on short-term loans (HB 123, 2018); 8% general usury
Ohio reformed payday lending in 2018 with HB 123, capping APR at 28% and requiring minimum 91-day terms. A statewide database prevents borrower abuse. The Division of Financial Institutions regulates consumer lenders, and consumers can file complaints with the Division or the Attorney General.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Cash Plus offers 10 services including Check cashing, Payday advance loans, Money orders (advertised as free), Western Union money transfers, Bill payment, and 5 more.
Cash Plus has profile signals associated with Consumers who need to cash checks and lack a traditional bank account, People who need quick access to money orders and Western Union transfers for domestic or international payments, Customers seeking ancillary services like notary public or mailbox rental combined with financial services, Underbanked individuals who value the convenience of multiple services at one location.
Key strengths: Multiple locations in Cincinnati area (Springdale, Delhi) providing convenient access; Comprehensive service hub offering check cashing, money orders, bill payment, and notary services in one location; Offers free money orders, reducing transaction costs for customers. Areas to consider: Payday advance loans typically carry high APR rates and fees, creating potential repeat-borrowing cycles without clear terms posted online; Significant variation in services, fees, and requirements across locations makes it impossible to comparison shop without contacting each branch individually.
In the Check Cashing & Money Services category, comparable providers include Bancosecha, CheckSmart, CheckSmart. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Cash Plus is profile signals 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 can compare 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.
Bancosecha is a multi-service financial center in Columbus, Ohio offering check cashing, money transfers, bill payments, notary services, and vehicle registration assistance with locations serving the Spanish-speaking community.
Profile signals: Spanish-speaking immigrants and residents of Columbus, Ohio needing multi-service financial hubs, Individuals sending frequent remittances to Mexico, Guatemala, or Central America
Cincinnati, OH's CheckSmart at 8398 Reading Rd offers quick check-cashing and money transfer services in a standalone location.
Profile signals: Unbanked or underbanked customers needing check cashing, money orders, and basic money services, Workers seeking quick emergency cash with listed funding timing options
Cleveland, OH's CheckSmart at 2196 Brookpark Rd offers quick check cashing, payday loans, and money transfers with extended weekday hours.
Profile signals: Unbanked or underbanked Ohio residents who need check cashing without a traditional bank account, Consumers needing money orders, wire transfers, or bill payment services in person
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