Loans in Belmont County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Belmont County, OH.
The median household in Belmont County earns $57,017 a year, 20% below the Ohio median of $71,389. About 16% of residents live below the federal poverty line, and 26.4% of households rent their home. 12.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Belmont County
Here's what to have on hand before you start your payday loan request in Belmont County:
- 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 Belmont County
What Belmont County borrowers use it for
deposits, trucks and first-week expenses
Rent duecover a short gap before payday
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Belmont 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 Belmont County
Banks with branches in Belmont County
28 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| WesBanco Bank, Inc. | 6 | 230 E Main St, Barnesville 43713 |
| Unified Bank | 6 | 201 S 4th St, Martins Ferry 43935 |
| The Huntington National Bank | 5 | 325 Main St, Bridgeport 43912 |
| Belmont Savings Bank | 4 | 426 34th Street, Bellaire 43906 |
| PNC Bank, National Association | 1 | 199 W Main St, St. Clairsville 43950 |
| United Bank | 1 | 3198 Belmont St, Bellaire 43906 |
| The Citizens National Bank of Woodsfield | 1 | 102 Colonel Dr, Barnesville 43713 |
| Woodforest National Bank | 1 | 50739 Valley Plaza Dr, Saint Clairsville 43950 |
| Woodsfield Savings Bank | 1 | 201 N Chestnut St, Barnesville 43713 |
| JPMorgan Chase Bank, National Association | 1 | 360 26th St, Bellaire 43906 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Belmont County
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Softite Community | 1201 S Zane Hwy, Martins Ferry 43935 |
| Ohio Valley Community | 107 Plaza Dr Ste T, Saint Clairsville 43950 |
| Southeastern Ohio | 68518 Bannock Rd # Sr331, Saint Clairsville 43950 |
| Ibew 141 | 187 Millrose Dr, Saint Clairsville 43950 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Belmont County?
Belmont 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 Belmont 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 Belmont County?
Options include 28 bank and 5 credit-union 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 Belmont County?
Fill out our short online form from anywhere in Belmont 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 get a loan in Belmont County with bad credit?
Yes, many lenders in our network work with Belmont County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I apply for a loan online in Belmont County?
Yes. You don't need to visit a branch or storefront anywhere in Belmont 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.
Can I get an emergency loan in Belmont County?
Yes. When an unexpected bill comes up, Belmont 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.
Can I get a loan in Belmont 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. Belmont County residents can start any time, and it takes about 3 minutes.