Loans in Greene County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Greene County, OH.
The median household in Greene County earns $87,309 a year, 22% above the Ohio median of $71,389. About 10% of residents live below the federal poverty line, and 32.0% of households rent their home.
What you need for a payday loan in Greene County
Most Greene 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 Greene County
What Greene County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Greene 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 Greene County
Banks with branches in Greene County
28 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 4 | 1 W Main St, Fairborn 45324 |
| JPMorgan Chase Bank, National Association | 4 | 3414 Seajay Dr, Beavercreek 45430 |
| KeyBank National Association | 3 | 120 N Detroit St, Xenia 45385 |
| The Huntington National Bank | 3 | 2010 S Lakeman Dr, Bellbrook 45305 |
| Fifth Third Bank, National Association | 3 | 2042 West Main Street, Xenia 45385 |
| The Park National Bank | 2 | 82 W Washington St, Jamestown 45335 |
| PNC Bank, National Association | 2 | 3160 Dayton Xenia Rd, Beavercreek 45434 |
| WesBanco Bank, Inc. | 2 | 1243 N Fairfield Rd, Dayton 45432 |
| Union Savings Bank | 2 | 2794 Colonel Glenn Hwy, Fairborn 45324 |
| The Old Fort Banking Company | 2 | 6430 Wilmington Pike, Dayton 45459 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Greene County
18 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Wright-Patt Credit Union, Inc. | 1506 N Fairfield Rd, Beavercreek 45432 |
| Pathways Financial | 3562 Dayton Xenia Rd, Beavercreek 45432 |
| Day Air | 2089 Dayton Xenia Rd, Beavercreek 45434 |
| Universal 1 | 2450 Esquire Dr, Beavercreek 45431 |
| River Valley | 3927 Indian Ripple Rd, Dayton 45440 |
| Bridge | 217 Xenia Ave, Yellow Springs 45387 |
| Ih Credit Union, Inc. | 1464 N Fairfield Rd, Beavercreek 45432 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Greene County
Frequently asked questions
Are payday loans legal in Greene County?
Greene 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 Greene 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 Greene County?
Options include 28 bank and 18 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 Greene County?
Fill out our short online form from anywhere in Greene 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 Greene County with bad credit?
Yes, many lenders in our network work with Greene 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 apply for a loan online in Greene County?
Yes. You don't need to visit a branch or storefront anywhere in Greene 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 Greene 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. Greene County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Greene County?
Yes. When an unexpected bill comes up, Greene 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.