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Garfield Heights, OH CheckSmart at 5062 Turney Rd offers check cashing and payday loans to the local community.
Data compiled from public sources
CheckSmart at 5062 Turney Rd in Garfield Heights, OH is a standalone check-cashing location serving residents who need quick access to financial services. The store is open Monday through Thursday from 9AM to 7PM, Friday 8AM to 8PM, and Saturday 9AM to 4PM, with Sunday closures.
At this Garfield Heights location, CheckSmart provides check cashing, payday loans, and other financial solutions designed for residents who need fast access to cash. Contact the store at +1 216-587-5631 to ask about current services, fees, or eligibility requirements for borrowing.
If you're a Garfield Heights resident needing to cash a check quickly, bring a valid ID and your check during business hours. CheckSmart serves the local community with accessible financial services when you need them most.
This is state-level context for Check Cashing & Money Services consumers in Garfield Heights, OH. It does not confirm that CheckSmart 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.
CheckSmart offers 10 services including Short-term emergency loans (through third-party lenders), Check cashing, Money orders, Wire transfers, Bill pay service, and 5 more.
CheckSmart has profile signals associated with Customers needing immediate check cashing or wire transfer services, Unbanked individuals requiring debit card access and basic transaction services, Customers in financial emergency seeking same-day cash with flexible evening/weekend hours, Consumers with limited credit history unable to access traditional banking services.
Key strengths: Extended operating hours including evenings until 8 PM and Sunday availability accommodates working customers; Online appointment scheduling available to reduce in-store wait times; Multiple financial services available at single location: check cashing, wire transfers, bill pay, and loan access. Areas to consider: Operates as loan facilitator with third-party lenders, creating lack of direct accountability for terms and conditions; Website contains no listed disclosure of APR, fees, loan terms, or repayment schedules.
In the Check Cashing & Money Services category, comparable providers include Bancosecha, Cash Plus, CheckSmart. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
CheckSmart is best suited for customers researching short-term cash access through check cashing, wire transfers, or debit card services, particularly those with limited banking options who work during traditional bank hours. The critical caveat is that actual lending terms, APR, and fees are not disclosed on the website, requiring in-store consultation; borrowers should carefully evaluate all loan terms before accepting any third-party lending product and consider whether short-term cash access justifies the likely cost.
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
Multi-location check cashing and financial services provider in the Cincinnati area offering payday advances, money orders, and bill payment services.
Profile signals: 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
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
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