Loans in Columbiana County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Columbiana County, OH.
The median household in Columbiana County earns $58,180 a year, 19% below the Ohio median of $71,389. About 15% of residents live below the federal poverty line, and 27.3% of households rent their home. 10.2% of households have no home internet; our form works on any phone.
What you need for a payday loan in Columbiana County
Most Columbiana County applicants can finish in one sitting if they have these ready:
- 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 Columbiana County
What Columbiana County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Columbiana 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 Columbiana County
Banks with branches in Columbiana County
30 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Farmers National Bank of Canfield | 6 | 340 State Route 14, Columbiana 44408 |
| The Huntington National Bank | 5 | 24 N Park Ave, Lisbon 44432 |
| WesBanco Bank, Inc. | 5 | 127 N Market St, East Palestine 44413 |
| Consumers National Bank | 5 | 30034 Canal St, Hanoverton 44423 |
| PNC Bank, National Association | 2 | 123 S Main St, Columbiana 44408 |
| JPMorgan Chase Bank, National Association | 2 | 123 N Broadway Ave, Salem 44460 |
| Woodforest National Bank | 2 | 2875 E State St, Salem 44460 |
| Citizens Bank, National Association | 1 | 2233 E Pershing St, Salem 44460 |
| KeyBank National Association | 1 | 315 E 2nd St, Salem 44460 |
| Main Street Bank Corp. | 1 | 795 W Main St, Washingtonville 44490 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
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.
Cities in Columbiana County
Frequently asked questions
Are payday loans legal in Columbiana County?
Columbiana 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 Columbiana 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 Columbiana County?
Options include 30 bank and 4 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 Columbiana County?
Fill out our short online form from anywhere in Columbiana 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 an emergency loan in Columbiana County?
Yes. When an unexpected bill comes up, Columbiana 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 Columbiana County, OH?
You can apply at banks, credit unions and lenders in Columbiana 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 Columbiana 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. Columbiana County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Columbiana County with bad credit?
Yes, many lenders in our network work with Columbiana 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.