Loans in Highland County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Highland County, OH.
The median household in Highland County earns $65,785 a year, 8% below the Ohio median of $71,389. About 14% of residents live below the federal poverty line, and 25.7% of households rent their home. 14.6% of households have no home internet; our form works on any phone.
What you need for a payday loan in Highland County
Here's what to have on hand before you start your payday loan request in Highland 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 Highland County
What Highland County borrowers use it for
deposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Highland 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 Highland County
Banks with branches in Highland County
16 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Merchants National Bank | 5 | 117 S Washington St, Greenfield 45123 |
| Southern Hills Community Bank | 4 | 45 E Main St, Leesburg 45135 |
| Fifth Third Bank, National Association | 1 | 511 N High St, Hillsboro 45133 |
| Community Savings Bank | 1 | 355 Jefferson St, Greenfield 45123 |
| NATIONAL COOPERATIVE BANK, N.A. | 1 | 139 S High St, Hillsboro 45133 |
| U.S. Bank National Association | 1 | 304 N High St, Hillsboro 45133 |
| Peoples Bank | 1 | 101 Harry Sauner Rd, Hillsboro 45133 |
| First State Bank | 1 | 730 Harry Sauner Rd, Hillsboro 45133 |
| The Wilmington Savings Bank | 1 | 137 N High St, Hillsboro 45133 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Highland County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Atomic | 583 Harry Sauner Rd, Hillsboro 45133 |
| Homeland | 1195 N 5Th St, Greenfield 45123 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Highland County?
Highland 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 Highland 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 Highland County?
Options include 16 bank and 2 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 Highland County?
Fill out our short online form from anywhere in Highland 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 apply for a loan online in Highland County?
Yes. You don't need to visit a branch or storefront anywhere in Highland 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 Highland 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. Highland County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Highland County with bad credit?
Yes, many lenders in our network work with Highland 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 an emergency loan in Highland County?
Yes. When an unexpected bill comes up, Highland 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.