Loans in Fulton County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Fulton County, OH.
The median household in Fulton County earns $72,864 a year, about the same as the Ohio median of $71,389. About 9% of residents live below the federal poverty line, and 19.8% of households rent their home.
What you need for a payday loan in Fulton County
Most Fulton 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 Fulton County
What Fulton County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Fulton 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 Fulton County
Banks with branches in Fulton County
18 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 & Merchants State Bank | 4 | 307 N Defiance St, Archbold 43502 |
| The State Bank and Trust Company | 3 | 312 Main St, Delta 43515 |
| First Federal Savings and Loan Association | 2 | 404 Main St, Delta 43515 |
| The Huntington National Bank | 2 | 1106 S Defiance St, Archbold 43502 |
| The Sherwood State Bank | 2 | 121 W Main St, Fayette 43521 |
| PNC Bank, National Association | 1 | 1250 N Shoop Ave, Wauseon 43567 |
| Bank419 | 1 | 120 E Main St, Metamora 43540 |
| KeyBank National Association | 1 | 115 E Airport Hwy, Swanton 43558 |
| WesBanco Bank, Inc. | 1 | 211 S Fulton St, Wauseon 43567 |
| Woodforest National Bank | 1 | 485 Airport Hwy, Wauseon 43567 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Fulton County. The nearest counties with credit unions:
Credit unions in Henry County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Midwest Community | 1429 Scott St, Napoleon 43545 |
| Campbell | 12773 State Route 110, Napoleon 43545 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Williams County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Genfed Financial | 121 S Union St, Bryan 43506 |
| Midwest Community | 221 N Main St, Bryan 43506 |
| Northwestern | 234 N Main St, Bryan 43506 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Fulton County?
Fulton 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 Fulton 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 Fulton County?
Options include 18 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 Fulton County?
Fill out our short online form from anywhere in Fulton 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 Fulton 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. Fulton County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Fulton County, OH?
You can apply at banks, credit unions and lenders in Fulton 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 apply for a loan online in Fulton County?
Yes. You don't need to visit a branch or storefront anywhere in Fulton 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.
Can I get a loan in Fulton County with bad credit?
Yes, many lenders in our network work with Fulton 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.