Check Cashing & Loans in Downtown Cleveland

Services at Cash Stop Downtown Cleveland

Every service below is available at our Downtown Cleveland store, so you can take care of several errands in one visit.

How to get cash in Downtown Cleveland in 3 steps

1. 1

   Apply online in minutes, or walk into our Downtown store at 655 Prospect Avenue and ask our team what you need.

2. 2

   Checking your options is a soft credit check and will not affect your credit score. Lenders may verify your information and check credit as part of their review.

3. 3

   Get your cash. If you are approved online, funds can arrive as soon as the next business day. In store, bring a valid photo ID and the check or proof of income we need to review.

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Why Downtown Cleveland customers choose Cash Stop

Our Downtown store sits at 655 Prospect Avenue in Cleveland, OH 44115. We have been part of Northeast Ohio since 1977, and our values are simple: customer satisfaction first, business integrity and honesty, hard work, organization, and courtesy. We listen to our customers and keep service quick and professional, so you spend less time waiting and more time on what matters.

• Open 24 Hours, so you can stop in on your schedule
• Check cashing, cash advances, and short-term loans under one roof
• Western Union, money orders, and utility bill payments
• Prepaid Visa and Insight Prepaid MasterCard debit cards

Ohio short-term loan rules in plain English

Short-term loans in Ohio are governed by the Ohio Short-Term Loan Act, found in Revised Code sections 1321.35 through 1321.48 as amended in 2019. Under that law, loans are $1,000 or less, with terms generally running from 91 days up to one year and repaid in installments.

Interest is capped at 28% per year, plus limited fees set by Ohio law. Check cashers in Ohio are licensed by the same state division that oversees short-term lenders. To read the rules for yourself, visit the Ohio Department of Commerce, Division of Financial Institutions.

Serving Downtown Cleveland and nearby communities

Our Prospect Avenue store is a convenient stop for people around Playhouse Square, the Gateway District, and the Campus District, which is home to Cleveland State University. We also welcome customers from Ohio City, Tremont, Midtown, and Lakewood who want a dependable place to cash a check or get a short-term loan close to the city core.

If you live or work somewhere else, Cash Stop has more locations in Lorain, Berea, and North Randall. Visit our locations page to compare stores and choose the one closest to you.

What it costs and smarter alternatives

Fees depend on the service you choose and the terms of any loan, so ask our team about the total cost before you sign anything. Read every document, check the payment schedule, and make sure you understand what you are agreeing to. A quick question at the counter can save you money later.

Before you borrow, you may want to look at a few alternatives:

• Budget with a prepaid card so you only spend what you have loaded onto it.
• Ask your utility company whether it offers a payment plan.
• Check whether a local credit union offers small personal loans.
• Look into local assistance programs that help with bills and essentials.

If a prepaid card fits your budget, our prepaid MasterCard page explains how it works and how to reload it.

Frequently asked questions – Cash Stop Downtown Cleveland

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