Personal Loans in Cleveland, OH

Whether it's debt consolidation, home improvement, or an unexpected expense - we match you with lenders offering competitive rates.

✓ No credit impact • ✓ 100% free • ✓ Takes 2 minutes

50,000+

People Matched

$25M+

In Approved Loans

4.8★

From Real Users

2 Min

Average Time

How It Works

Getting matched with the right lender is simple and fast

Tell Us About You

Quick 2-minute form. No impact on your credit score.

We Compare Options

Our platform searches hundreds of trusted lenders for you.

Choose Your Loan

Review personalized offers and select the best one.

Why Choose SwipeSolutions in Cleveland?

Built By Humans Who Get It

We've been in debt. We've been rejected. We built SwipeSolutions because we know how it feels to be treated like a number. You're not.

AI That Works For You

Our technology analyzes hundreds of lenders to find matches based on YOUR situation - not just your credit score. Better matches. Better rates.

Personal Loans in Cleveland: What You Need to Know

Local lending landscape and Ohio regulations

705 Ohio Average Credit Score Ranked #32 in the U.S.

19.1% Subprime Borrowers Residents with credit below 670

$32,053 Cleveland Median Income Annual household income

89 Cost of Living Index 11% below average (100 = U.S. avg)

Ohio Lending Regulations

Ohio reformed payday lending in 2018 with a 28% APR cap and minimum 91-day loan terms, providing better protections.

Maximum APR: 28% APR cap

Payday Loans: ● Reformed

Consumer Protections: Strong 2018 reforms protect borrowers

SwipeSolutions Tip for Cleveland Borrowers

Cleveland faces economic headwinds with low median income ($32,053) but benefits from Ohio's 2018 lending reforms. The 89 cost of living index helps stretch limited budgets. Cleveland Metropolitan School District Employees Credit Union and Third Federal offer responsible lending options.

"Cleveland's cost of living index of 89 combined with Ohio's payday lending reforms creates a more manageable financial environment than the city's reputation suggests."
- SwipeSolutions, Cleveland Market Analysis

Cleveland Personal Loans FAQ

Common questions from Cleveland residents

Yes! Cleveland residents can qualify for personal loans even with credit scores below 600. Our lending partners consider your whole financial picture, not just your credit score. Many Cleveland borrowers get approved within minutes.

Most Cleveland applicants receive a decision within 2-5 minutes. If approved, funds can be deposited as soon as the next business day. Some lenders offer same-day funding for qualified Ohio borrowers.

Our network includes lenders who work with credit scores as low as 500. Better rates are available for scores above 580, but Cleveland residents with any credit history are encouraged to check their options with no impact to their score.

Yes, absolutely! Our service is 100% free for Cleveland borrowers. We're compensated by lenders when we successfully match them with qualified applicants. You'll never pay a fee to use our platform.