Loans in Delaware County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Delaware County, OH.
The median household in Delaware County earns $133,540 a year, 87% above the Ohio median of $71,389. About 5% of residents live below the federal poverty line, and 21.5% of households rent their home.
What you need for a payday loan in Delaware County
Most Delaware 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 Delaware County
What Delaware County borrowers use it for
gifts and travel without maxing a card
Need money nowthe fastest options online
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Delaware 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 Delaware County
Banks with branches in Delaware County
59 FDIC-insured bank branches from 17 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Commonwealth Bank | 10 | 110 Riverbend Avenue, Lewis Center 43035 |
| JPMorgan Chase Bank, National Association | 9 | 1111 Polaris Pkwy, Columbus 43240 |
| The Huntington National Bank | 9 | 1750 Columbus Pike, Delaware 43015 |
| PNC Bank, National Association | 6 | 40 N Sandusky St, Delaware 43015 |
| Fifth Third Bank, National Association | 5 | 7425 State Route 3, Westerville 43082 |
| The Farmers National Bank of Canfield | 3 | 450 Altair Pkwy, Westerville 43082 |
| KeyBank National Association | 3 | 8609 Owenfield Dr, Powell 43065 |
| Fidelity Federal Savings and Loan Association of Delaware | 2 | 60 N Sandusky St, Delaware 43015 |
| U.S. Bank National Association | 2 | 8870 Columbus Pike, Lewis Center 43035 |
| The First Citizens National Bank of Upper Sandusky | 2 | 9595 Sawmill Pkwy, Powell 43065 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Delaware County
14 credit-union locations from 11 credit unions.
| Credit union | Location |
|---|---|
| Wright-Patt Credit Union, Inc. | 1600 Polaris Pkwy, Columbus 43240 |
| Kemba Financial | 622 N State St, Westerville 43082 |
| Pathways Financial | 879 W William St, Delaware 43015 |
| Bmi | 543 N Cleveland Ave, Westerville 43082 |
| Cme | 6459 Artesian Run, Delaware 43035 |
| Bridge | 10567 Sawmill Pkwy, Powell 43065 |
| C E S | 33 London Rd, Delaware 43015 |
| State Highway Patrol | 1900 Polaris Pkwy Ste 400, Columbus 43240 |
| Southeastern Ohio | 8425 Pulsar Pl Ste 220, Columbus 43240 |
| Scott Associates | 8425 Pulsar Pl, Columbus 43240 |
| Morrow County | 8700 Orion Pl, Columbus 43240 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Delaware County
Frequently asked questions
Are payday loans legal in Delaware County?
Delaware 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 Delaware 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 Delaware County?
Options include 59 bank and 14 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 Delaware County?
Fill out our short online form from anywhere in Delaware 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 Delaware County?
Yes. When an unexpected bill comes up, Delaware 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 apply for a loan online in Delaware County?
Yes. You don't need to visit a branch or storefront anywhere in Delaware 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 Delaware County, OH?
You can apply at banks, credit unions and lenders in Delaware 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 Delaware County with bad credit?
Yes, many lenders in our network work with Delaware 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.