Loans in Defiance County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Defiance County, OH.
The median household in Defiance County earns $73,064 a year, about the same as the Ohio median of $71,389. About 10% of residents live below the federal poverty line, and 20.7% of households rent their home.
What you need for a payday loan in Defiance County
Lenders that serve Defiance 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 Defiance County
What Defiance County borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Defiance 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 Defiance County
Banks with branches in Defiance County
17 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The State Bank and Trust Company | 3 | 401 Clinton St, Defiance 43512 |
| WesBanco Bank, Inc. | 3 | 601 Clinton St, Defiance 43512 |
| The Sherwood State Bank | 2 | 105 N Harrison St, Sherwood 43556 |
| The Hicksville Bank | 2 | 144 E High St, Hicksville 43526 |
| The Farmers & Merchants State Bank | 2 | 1175 Hotel Dr, Defiance 43512 |
| KeyBank National Association | 1 | 414 W 2nd St, Defiance 43512 |
| The Huntington National Bank | 1 | 405 W 3rd St, Defiance 43512 |
| Fifth Third Bank, National Association | 1 | 702 N Clinton St, Defiance 43512 |
| Woodforest National Bank | 1 | 1804 N Clinton St, Defiance 43512 |
| The Citizens National Bank of Bluffton | 1 | 601 E 2nd St, Defiance 43512 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Defiance County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Superior Credit Union, Inc | 618 N Clinton St, Defiance 43512 |
| Midwest Community | 8770 N State Route 66, Defiance 43512 |
| Christo Rey | 15246 Vollmer Rd, Ney 43549 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Defiance County
Frequently asked questions
Are payday loans legal in Defiance County?
Defiance 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 Defiance 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 Defiance County?
Options include 17 bank and 3 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 Defiance County?
Fill out our short online form from anywhere in Defiance 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 Defiance 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. Defiance County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Defiance County with bad credit?
Yes, many lenders in our network work with Defiance 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 Defiance County, OH?
You can apply at banks, credit unions and lenders in Defiance 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 Defiance County?
Yes. When an unexpected bill comes up, Defiance 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.