Loans in Gallia County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Gallia County, OH.
The median household in Gallia County earns $56,830 a year, 20% below the Ohio median of $71,389. About 16% of residents live below the federal poverty line, and 25.3% of households rent their home. 17.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Gallia County
Here's what to have on hand before you start your payday loan request in Gallia 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 Gallia County
What Gallia County borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Gallia 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 Gallia County
Banks with branches in Gallia County
11 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Ohio Valley Bank Company | 6 | 420 3rd Ave, Gallipolis 45631 |
| The Farmers Bank and Savings Company | 2 | 164 Upper River Rd, Gallipolis 45631 |
| Peoples Bank | 1 | 349 3rd Ave, Gallipolis 45631 |
| U.S. Bank National Association | 1 | 350 Upper River Rd, Gallipolis 45631 |
| WesBanco Bank, Inc. | 1 | 500 3rd Ave, Gallipolis 45631 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Gallia County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Kyger Creek | 5758 State Route 7 N, Cheshire 45620 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Gallia County?
Gallia 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 Gallia 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 Gallia County?
Options include 11 bank and 1 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 Gallia County?
Fill out our short online form from anywhere in Gallia 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 Gallia County, OH?
You can apply at banks, credit unions and lenders in Gallia 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 Gallia County with bad credit?
Yes, many lenders in our network work with Gallia 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 get a loan in Gallia 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. Gallia County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Gallia County?
Yes. When an unexpected bill comes up, Gallia 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.