Loans in Brown County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Brown County, OH.
The median household in Brown County earns $71,270 a year, about the same as the Ohio median of $71,389. About 20% of residents live below the federal poverty line, and 22.8% of households rent their home. 12.0% of households have no home internet; our form works on any phone.
What you need for a payday loan in Brown County
Lenders that serve Brown County typically ask for the following:
- 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 Brown County
What Brown County borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Brown 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 Brown County
Banks with branches in Brown County
14 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Peoples Bank | 4 | 885 S Main St, Georgetown 45121 |
| First State Bank | 4 | 252 S 2nd St, Ripley 45167 |
| Southern Hills Community Bank | 2 | 1006 S 2nd St, Ripley 45167 |
| The Merchants National Bank | 2 | 102 W State St, Georgetown 45121 |
| U.S. Bank National Association | 1 | 210 Sterling Run Blvd, Mount Orab 45154 |
| Fifth Third Bank, National Association | 1 | 4899 Sr 125, Georgetown 45121 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
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.
Frequently asked questions
Are payday loans legal in Brown County?
Brown 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 Brown 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 Brown County?
Options include 14 bank and 2 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 Brown County?
Fill out our short online form from anywhere in Brown 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 Brown 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. Brown County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Brown County with bad credit?
Yes, many lenders in our network work with Brown 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.
Where can I get a loan in Brown County, OH?
You can apply at banks, credit unions and lenders in Brown 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 apply for a loan online in Brown County?
Yes. You don't need to visit a branch or storefront anywhere in Brown 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.