Loans in Jefferson County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Jefferson County, OH.
The median household in Jefferson County earns $59,055 a year, 17% below the Ohio median of $71,389. About 16% of residents live below the federal poverty line, and 29.5% of households rent their home. 11.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Jefferson County
Here's what to have on hand before you start your payday loan request in Jefferson 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 Jefferson County
What Jefferson County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Jefferson 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 Jefferson County
Banks with branches in Jefferson County
19 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Huntington National Bank | 5 | 240 N 4th Street, Steubenville 43952 |
| Consumers National Bank | 4 | 298 Union St, Mount Pleasant 43939 |
| U.S. Bank National Association | 2 | 901 3rd St, Brilliant 43913 |
| PNC Bank, National Association | 2 | 124 N 4th St, Steubenville 43952 |
| First National Bank of Pennsylvania | 2 | 805 Main St, Wintersville 43953 |
| JPMorgan Chase Bank, National Association | 1 | 147 Main St, Wintersville 43953 |
| WesBanco Bank, Inc. | 1 | 100 Mall Dr, Steubenville 43952 |
| Unified Bank | 1 | 303 Walden Ave, Tiltonsville 43963 |
| Main Street Bank Corp. | 1 | 120 N 4th St, Toronto 43964 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
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.
Cities in Jefferson County
Frequently asked questions
Are payday loans legal in Jefferson County?
Jefferson 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 Jefferson 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 Jefferson County?
Options include 19 bank and 6 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 Jefferson County?
Fill out our short online form from anywhere in Jefferson 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 Jefferson 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. Jefferson County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Jefferson County, OH?
You can apply at banks, credit unions and lenders in Jefferson 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 apply for a loan online in Jefferson County?
Yes. You don't need to visit a branch or storefront anywhere in Jefferson 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 Jefferson County with bad credit?
Yes, many lenders in our network work with Jefferson 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.