Loans in Butler County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Butler County, OH.
The median household in Butler County earns $81,590 a year, 14% above the Ohio median of $71,389. About 12% of residents live below the federal poverty line, and 30.1% of households rent their home.
What you need for a payday loan in Butler County
Here's what to have on hand before you start your payday loan request in Butler 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 Butler County
What Butler County borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Butler 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 Butler County
Banks with branches in Butler County
85 FDIC-insured bank branches from 21 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Fifth Third Bank, National Association | 16 | 580 Wessel Dr, Fairfield 45014 |
| First Financial Bank | 13 | 815 S Breiel Blvd, Middletown 45044 |
| U.S. Bank National Association | 11 | 8396 Princeton Glendale Rd, West Chester 45069 |
| JPMorgan Chase Bank, National Association | 6 | 20 W High St, Oxford 45056 |
| PNC Bank, National Association | 5 | 7811 Tylersville Rd, West Chester 45069 |
| LCNB National Bank | 5 | 4441 Marie Dr, Middletown 45044 |
| Bank of America, National Association | 5 | 7400 Tylersville Rd, West Chester 45069 |
| Somerville Bank | 4 | 5200 College Corner Pike, Oxford 45056 |
| KeyBank National Association | 3 | 1492 Main St, Hamilton 45013 |
| Union Savings Bank | 3 | 1225 Main St, Hamilton 45013 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Butler County
23 credit-union locations from 12 credit unions.
| Credit union | Location |
|---|---|
| General Electric | 5370 Dixie Hwy, Fairfield 45014 |
| Kemba | 8763 Union Centre Blvd, West Chester 45069 |
| Telhio | 950 Deis Dr, Fairfield 45014 |
| Sharefax | 7350 Liberty One Dr, Liberty Township 45044 |
| River Valley | 815 Elliott Dr, Middletown 45044 |
| Myusa | 1201 Crawford St, Middletown 45044 |
| Aurgroup | 8811 Holden Blvd, Fairfield 45014 |
| Cincinnati Ohio Police | 6714 Gilmore Rd, Fairfield Township 45011 |
| Miami University Community | 5120 College Corner Pike, Oxford 45056 |
| Allwealth | 6 S 2Nd St, Hamilton 45011 |
| Middletown Area Schools | 1730 Central Ave, Middletown 45044 |
| Sorg Bay West | 400 N Broad St, Middletown 45042 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Butler County
Frequently asked questions
Are payday loans legal in Butler County?
Butler 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 Butler 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 Butler County?
Options include 85 bank and 23 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 Butler County?
Fill out our short online form from anywhere in Butler 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 Butler 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. Butler County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Butler County?
Yes. You don't need to visit a branch or storefront anywhere in Butler 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 Butler County, OH?
You can apply at banks, credit unions and lenders in Butler 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 Butler County with bad credit?
Yes, many lenders in our network work with Butler 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.