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PayDayAllDay in Cincinnati, OH
PayDayAllDay Cincinnati, Ohio — PayDayAllDay connects Ohio borrowers with payday loan and cash advance lenders, offering $250–$5,000 loans online or in-...
Data compiled from public sources · Rating from CreditDoc methodology
PayDayAllDay Review
PayDayAllDay is a payday loan marketplace and retail lender network that has been operating since 2019, describing itself as a service that enables borrowers to 'find their lenders.' It maintains physical branch locations across Ohio — including Columbus, Cincinnati, Cleveland, and Findlay — while also offering a fully online application process. The Columbus branch is located at 745 W State St, Suite 550, and is managed by Joshua Mattoon.
The company facilitates payday loans, cash advances, installment loans, and check cashing services. Loan amounts range from $250 to $5,000, with eligibility requirements that include being at least 18 years old, having a verifiable source of income (preferably $1,000/month or more), holding a checking account, and providing a valid government-issued ID. Applications can be completed online in minutes or in person at any branch. Business hours are Monday through Sunday, 8am to 10pm, which is notably broader than most payday lenders.
PayDayAllDay markets itself on accessibility and second-chance lending. The company explicitly targets borrowers with damaged credit histories, positioning itself against traditional banks that decline low-score applicants. It also advertises competitive rates for borrowers with strong credit and offers free online and in-person consultations before committing to a loan. The 'N/A' listings for specific products on its location pages suggest the site functions partly as a lead-generation gateway to a network of lenders rather than always acting as the direct lender.
For consumers in genuine short-term cash emergencies, PayDayAllDay offers a convenient multi-channel access point — but the absence of disclosed APRs, fees, or repayment terms on the website is a significant transparency gap. Payday loans as a product class carry some of the highest effective interest rates in consumer finance, often 300–400% APR. The $5,000 upper limit and installment loan offering give it slightly more range than a typical payday shop, but prospective borrowers should request full cost disclosures before accepting any offer.
Services & Features
Bad credit loans
Cash advances
Check cashing
Free pre-loan consultations (online and in-person)
In-store loan applications
Installment loans
Lender matching / loan referral network
Multi-location Ohio branch network
Online loan applications
Payday loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Accepts applicants with bad or damaged credit history
- Loan range of $250–$5,000 is broader than most payday lenders
- Open 7 days a week, 8am–10pm — unusually wide hours
- Both fully online and in-store application options available
- Free consultations offered before committing to a loan
- Multiple Ohio branch locations (Columbus, Cincinnati, Cleveland, Findlay)
- Claims special lower-rate offers for borrowers with good credit
Cons
- No APR, fees, or repayment terms disclosed anywhere on the website
- Product listings (Payday Loans, Cash Advance, Check Cashing, Installment Loans) all show 'N/A' — indicates lead-gen model, not always a direct lender
- Minimum income requirement (~$1,000/month) may exclude lowest-income borrowers
- Ohio-only presence — not available to borrowers outside the state
- Payday loan products carry inherently high costs; the friendly marketing tone understates this risk
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is PayDayAllDay legitimate?
Yes. PayDayAllDay is a registered company, headquartered in 7755 Montgomery Rd suite 160, Cincinnati, OH 45236.
Quick Facts
- Headquarters
- 7755 Montgomery Rd suite 160, Cincinnati, OH 45236
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on PayDayAllDay
PayDayAllDay is best suited for Ohio borrowers with poor credit who need fast access to $250–$5,000 and want the option of walking into a physical branch. The main caveat is that it operates partly as a lead-generation marketplace connecting borrowers to third-party lenders, and it publishes no APR or fee data — borrowers must request full cost disclosures before accepting any offer.
Best For
- Ohio residents with bad credit needing $250–$1,000 quickly
- Borrowers who prefer in-person loan consultations over purely digital lenders
- People with irregular hours who need a lender open evenings and weekends
- Short-term borrowers who cannot qualify at a bank or credit union
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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