As an alternative to the finance charges permitted in division (A) of section 1317.06 of the Revised Code or the interest permitted in division (B) of that section, and to the finance charges permitted in division (B) of section 1317.11 of the Revised Code, a retail seller or holder may contract for and receive finance charges or interest at any rate or rates agreed upon or consented to by the parties to the retail installment contract or revolving budget agreement, but not exceeding an annual percentage rate of twenty-five per cent.
Retail seller or holder may contract for and receive alternative finance charges or interest
Ohio Rev. Code Ann. § 1317.061, under Chapter 1317 | Retail Installment Sales.
Ohio Rev. Code Ann. § 1317.061