No stored Google rating available.
Lakewood, OH's CheckSmart on W 117th St offers check cashing and payday loans with extended hours.
Data compiled from public sources
CheckSmart at 1508 W 117th St in Lakewood, OH, is a standalone financial service center operating Monday through Thursday 9AM-7PM, Friday 8AM-8PM, and Saturday 9AM-4PM (closed Sundays). Located on West 117th Street, this Lakewood branch serves the local community with convenient hours designed to fit busy schedules.
This Lakewood, OH location provides check cashing, payday loans, title loans, and prepaid card services. You can reach the branch at +1 216-226-4066 to discuss your financial needs or confirm current service availability.
For Lakewood residents researching short-term cash access or check-cashing services, this W 117th St location offers same-day processing. Bring a valid government-issued ID and proof of income; most requests are handled within minutes. CheckSmart specializes in fast, accessible financial solutions.
This is state-level context for Check Cashing & Money Services consumers in Lakewood, 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 Check cashing, Money orders, Wire transfers, Bill payment (in-store), Green Dot Visa Debit Card issuance, and 5 more.
CheckSmart has profile signals associated with Unbanked or underbanked consumers who need check cashing, money orders, or wire transfers without a bank account, Ohio residents who need fast access to a short-term loan and prefer face-to-face service, Consumers holding unused gift cards who want short-term cash access value, People who need a prepaid debit card (Green Dot Visa) and want to get one same-day in-store.
Key strengths: Multiple financial services available in a single in-store visit (check cashing, money orders, wire transfers, bill pay); Green Dot Visa Debit Card available in-store — useful for unbanked customers needing a prepaid card; Gift card exchange for cash on the spot without mailing or waiting. Areas to consider: Loans are facilitated through an unaffiliated third-party lender — CheckSmart does not control rates, fees, or approval criteria; No loan APR, fee schedule, or rate range disclosed anywhere on the website.
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 unbanked or cash-dependent consumers in Ohio who need a single location for check cashing, money orders, wire transfers, and quick access to short-term loan products. The primary caveat is that CheckSmart does not directly lend — loans come from an unnamed third party with no rates published — so borrowers must ask for full cost disclosures before committing.
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
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
Cash advances are expensive. Here are cheaper, faster ways to cover an emergency expense without getting trapped in a debt cycle.
Read guide →Balance transfer cards can save you money on interest, but fees to verify and deadlines catch people off guard. Here's how to use them the right way.
Read guide →A parent's guide to teaching teenagers about money, credit, and financial decisions before they leave home — covering the skills schools skip.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to CheckSmart and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.