Loans in Adams County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Adams County, OH.
The median household in Adams County earns $50,264 a year, 30% below the Ohio median of $71,389. About 20% of residents live below the federal poverty line, and 28.3% of households rent their home. 13.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Adams County
Most Adams County applicants can finish in one sitting if they have these ready:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Adams County
What Adams County borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Adams County
Payday Loans Legal
Payday-style loans are legal in Ohio only as 'short-term loans' from lenders licensed under the Short-Term Loan Act (as rewritten by House Bill 123, effective 2019).
Personal Loans
Licensed lenders capped at 21%-28% a year depending on license; Consumer Installment Loan Act 25%.
Title Loans Limited
Short-term (payday) lenders may not take a car title as security, and credit services organizations may not arrange loans under $5,000, of one year or less, or above 28% APR.
Banks and credit unions in Adams County
Banks with branches in Adams County
10 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank | 5 | 19230 State Route 136, Winchester 45697 |
| Southern Hills Community Bank | 2 | 201 W Main St, West Union 45693 |
| Fifth Third Bank, National Association | 1 | 500 E Main St, West Union 45693 |
| The National Bank of Adams County of West Union | 1 | 28 Market St, West Union 45693 |
| Woodforest National Bank | 1 | 11217 State Route 41, West Union 45693 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Adams County. The nearest counties with credit unions:
Credit unions in Brown County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Superior Credit Union, Inc | 623 W Main St, Mount Orab 45154 |
| Pathways Financial | 1100 Us Highway 52, Aberdeen 45101 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Highland County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Atomic | 583 Harry Sauner Rd, Hillsboro 45133 |
| Homeland | 1195 N 5Th St, Greenfield 45123 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Adams County?
Adams County follows Ohio law. Payday-style loans are legal in Ohio only as 'short-term loans' from lenders licensed under the Short-Term Loan Act (as rewritten by House Bill 123, effective 2019).
Are title loans legal in Adams County?
Short-term (payday) lenders may not take a car title as security, and credit services organizations may not arrange loans under $5,000, of one year or less, or above 28% APR.
Where can I get a small loan in Adams County?
Options include 10 bank locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Adams County?
Fill out our short online form from anywhere in Adams County. We share it with lenders in our network that serve Ohio; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in Adams County?
Yes. You don't need to visit a branch or storefront anywhere in Adams County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Ohio. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Where can I get a loan in Adams County, OH?
You can apply at banks, credit unions and lenders in Adams County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Ohio residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Adams County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Adams County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Adams County?
Yes. When an unexpected bill comes up, Adams County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.