Loans in Harrison County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Harrison County, OH.
The median household in Harrison County earns $54,414 a year, 24% below the Ohio median of $71,389. About 13% of residents live below the federal poverty line, and 23.7% of households rent their home. 15.0% of households have no home internet; our form works on any phone.
What you need for a payday loan in Harrison County
Here's what to have on hand before you start your payday loan request in Harrison 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 Harrison County
What Harrison County borrowers use it for
the fastest options online
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 Harrison 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 Harrison County
Banks with branches in Harrison County
6 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| PNC Bank, National Association | 1 | 235 S Main St, Cadiz 43907 |
| U.S. Bank National Association | 1 | 157 E Main St, Hopedale 43976 |
| Unified Bank | 1 | 318 E Main St, Jewett 43986 |
| The Equitable Savings and Loan Company | 1 | 114 S Main St, Cadiz 43907 |
| The Huntington National Bank | 1 | 657 Lincoln Ave, Cadiz 43907 |
| Woodsfield Savings Bank | 1 | 202 West Market Street, Cadiz 43907 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Harrison County. The nearest counties with credit unions:
Credit unions in Jefferson County
6 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Softite Community | 100 Longview Ave, Mingo Junction 43938 |
| First Choice America Community | 1835 Sunset Blvd, Steubenville 43952 |
| Valley One Community | 2990 Johnson Road, Steubenville 43952 |
| Ytr Community | 134 3Rd St, Tiltonsville 43963 |
| S And J School Employees | 734 Main St, Wintersville 43953 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Belmont County
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Softite Community | 1201 S Zane Hwy, Martins Ferry 43935 |
| Ohio Valley Community | 107 Plaza Dr Ste T, Saint Clairsville 43950 |
| Southeastern Ohio | 68518 Bannock Rd # Sr331, Saint Clairsville 43950 |
| Ibew 141 | 187 Millrose Dr, Saint Clairsville 43950 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Harrison County?
Harrison 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 Harrison 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 Harrison County?
Options include 6 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 Harrison County?
Fill out our short online form from anywhere in Harrison 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 Harrison 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. Harrison County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Harrison County?
Yes. When an unexpected bill comes up, Harrison 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 Harrison County?
Yes. You don't need to visit a branch or storefront anywhere in Harrison 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 Harrison County, OH?
You can apply at banks, credit unions and lenders in Harrison 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.