Loans in Clark County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clark County, OH.
The median household in Clark County earns $63,132 a year, 12% below the Ohio median of $71,389. About 15% of residents live below the federal poverty line, and 30.6% of households rent their home.
What you need for a payday loan in Clark County
Here's what to have on hand before you start your payday loan request in Clark 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 Clark County
What Clark County borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Clark 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 Clark County
Banks with branches in Clark County
26 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Park National Bank | 7 | 40 S Limestone St, Springfield 45502 |
| PNC Bank, National Association | 4 | 2025 E Main St, Springfield 45503 |
| WesBanco Bank, Inc. | 3 | 7601 Dayton Springfield Rd, Fairborn 45324 |
| The Richwood Banking Company | 2 | 2454 N Limestone St, Springfield 45503 |
| New Carlisle Federal Savings Bank | 2 | 400 N Main St, New Carlisle 45344 |
| The Huntington National Bank | 2 | 5 W North St, Springfield 45504 |
| Fifth Third Bank, National Association | 2 | 1830 N Bechtle Ave, Springfield 45504 |
| KeyBank National Association | 1 | 1 S Fountain Ave, Springfield 45502 |
| Woodforest National Bank | 1 | 200 S Tuttle Rd, Springfield 45505 |
| The Citizens National Bank of Bluffton | 1 | 30 Warder St, Springfield 45504 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clark County
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Wright-Patt Credit Union, Inc. | 2097 N Bechtle Ave, Springfield 45504 |
| Pathways Financial | 1850 S Limestone St, Springfield 45505 |
| Ih Credit Union, Inc. | 5000 Urbana Rd, Springfield 45502 |
| Myusa | 1620 Upper Valley Pike, Springfield 45504 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Clark County
Frequently asked questions
Are payday loans legal in Clark County?
Clark 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 Clark 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 Clark County?
Options include 26 bank and 6 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 Clark County?
Fill out our short online form from anywhere in Clark 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.
Where can I get a loan in Clark County, OH?
You can apply at banks, credit unions and lenders in Clark 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 an emergency loan in Clark County?
Yes. When an unexpected bill comes up, Clark 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 Clark County with bad credit?
Yes, many lenders in our network work with Clark 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 Clark County?
Yes. You don't need to visit a branch or storefront anywhere in Clark 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.