Loans in Carroll County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Carroll County, OH.
The median household in Carroll County earns $64,835 a year, 9% below the Ohio median of $71,389. About 13% of residents live below the federal poverty line, and 21.3% of households rent their home. 16.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Carroll County
Lenders that serve Carroll 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 Carroll County
What Carroll County borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Carroll 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 Carroll County
Banks with branches in Carroll County
8 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| PNC Bank, National Association | 2 | 10 Public Sq, Carrollton 44615 |
| Unified Bank | 2 | 15 Sherrod Avenue, Sherrodsville 44675 |
| Consumers National Bank | 2 | 1017 Canton Rd Nw, Carrollton 44615 |
| The Huntington National Bank | 1 | 1045 Trump Rd Nw, Carrollton 44615 |
| Main Street Bank Corp. | 1 | 1029 Canton Road Nw, Carrollton 44615 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Carroll County. The nearest counties with credit unions:
Credit unions in Columbiana County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Clearview | 127 W 6Th St, East Liverpool 43920 |
| Summit | 1070 E State St Ste C, Salem 44460 |
| Columbiana County School Empl | 330B N Market St, Lisbon 44432 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Jefferson County
6 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Softite Community | 100 Longview Ave, Mingo Junction 43938 |
| First Choice America Community | 1835 Sunset Blvd, Steubenville 43952 |
| Valley One Community | 2990 Johnson Road, Steubenville 43952 |
| Ytr Community | 134 3Rd St, Tiltonsville 43963 |
| S And J School Employees | 734 Main St, Wintersville 43953 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Carroll County?
Carroll 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 Carroll 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 Carroll County?
Options include 8 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 Carroll County?
Fill out our short online form from anywhere in Carroll 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 Carroll County with bad credit?
Yes, many lenders in our network work with Carroll 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 get a loan in Carroll 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. Carroll County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Carroll County?
Yes. When an unexpected bill comes up, Carroll 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.
Where can I get a loan in Carroll County, OH?
You can apply at banks, credit unions and lenders in Carroll 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.