Loans in Holmes County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Holmes County, OH.
The median household in Holmes County earns $76,140 a year, 7% above the Ohio median of $71,389. About 9% of residents live below the federal poverty line, and 21.0% of households rent their home. 34.9% of households have no home internet; our form works on any phone.
What you need for a payday loan in Holmes County
Here's what to have on hand before you start your payday loan request in Holmes 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 Holmes County
What Holmes County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Holmes 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 Holmes County
Banks with branches in Holmes County
20 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Commercial and Savings Bank of Millersburg, Ohio | 7 | 91 N Clay St, Millersburg 44654 |
| The Killbuck Savings Bank Company | 7 | 165 N Main St, Killbuck 44637 |
| First Federal Community Bank, National Association | 2 | 4737 Us Highway 62, Berlin 44610 |
| PNC Bank, National Association | 1 | 39 S Clay St, Millersburg 44654 |
| Main Street Bank Corp. | 1 | 90 N Clay St, Millersburg 44654 |
| The Park National Bank | 1 | 225 N Clay St, Millersburg 44654 |
| SSB Community Bank | 1 | 4599 State Route 39, Berlin 44610 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Holmes County. The nearest counties with credit unions:
Credit unions in Wayne County
7 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Directions | 2258 Eagle Pass, Wooster 44691 |
| Everence | 4136 Kidron Rd, Dalton 44618 |
| Wayne County Community | 311 Kaufman Drive, Smithville 44677 |
| Greater Wayne Community | 328 N Main St, Rittman 44270 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Coshocton County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| C E S | 700 S 2Nd St Ste B, Coshocton 43812 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Holmes County?
Holmes 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 Holmes 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 Holmes County?
Options include 20 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 Holmes County?
Fill out our short online form from anywhere in Holmes 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 Holmes County?
Yes. You don't need to visit a branch or storefront anywhere in Holmes 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 an emergency loan in Holmes County?
Yes. When an unexpected bill comes up, Holmes 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 get a loan in Holmes 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. Holmes County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Holmes County with bad credit?
Yes, many lenders in our network work with Holmes 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.