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Parma Heights, OH CheckSmart check-cashing and loans at 6895 W 130th St
Data compiled from public sources
CheckSmart's Parma Heights location sits at 6895 W 130th St, a standalone check-cashing store serving the western suburb of Parma Heights, OH. The branch is open Monday through Thursday 9AM–7PM, Friday 8AM–8PM, and Saturday 9AM–4PM, closing on Sundays.
At this Parma Heights CheckSmart, you can cash checks, apply for short-term loans, and handle other financial services. Call (440) 842-0426 to ask about specific services, fees, or to confirm today's hours.
For Parma Heights residents needing quick check cashing or emergency cash, this location offers a walk-in alternative to traditional banks. Bring a valid ID and your check or payment stub, and the staff can typically complete transactions within minutes.
This is state-level context for Check Cashing & Money Services consumers in Parma 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 Check cashing, Money orders, Wire transfers, Third-party short-term loans, Bill pay services, and 5 more.
CheckSmart has profile signals associated with Unbanked or underbanked consumers needing immediate check cashing or wire transfer services, Ohio residents seeking emergency-cash timing to verify from a physical storefront, Customers requiring multiple financial services (check cashing + lending + bill pay) in one location.
Key strengths: Multiple Ohio locations (11+ stores) providing geographic convenience; Extended business hours including Friday until 8:00 PM and weekend service; Online appointment scheduling to reduce in-store wait times. Areas to consider: No direct lending—all loans are third-party products with unknown terms, rates, and APRs not disclosed on website; Likely high-cost short-term borrowing typical of check-cashing storefronts, but specific pricing unavailable.
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 consumers in Ohio who need immediate check-cashing or money movement services and are willing to visit a physical location. The primary caveat is that lending products are sourced from undisclosed third-party lenders with non-listed terms—customers should expect potentially high-cost short-term borrowing and must visit in-store to learn actual rates and conditions.
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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