Loans in Lawrence County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lawrence County, OH.
The median household in Lawrence County earns $58,325 a year, 18% below the Ohio median of $71,389. About 18% of residents live below the federal poverty line, and 27.7% of households rent their home. 13.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Lawrence County
Here's what to have on hand before you start your payday loan request in Lawrence 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 Lawrence County
What Lawrence County borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
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 Lawrence 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 Lawrence County
Banks with branches in Lawrence County
15 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 3 | 120 S 3rd St, Ironton 45638 |
| City National Bank of West Virginia | 3 | 506 Park Ave, Ironton 45638 |
| WesBanco Bank, Inc. | 2 | 311 S 5th St, Ironton 45638 |
| Liberty Bank | 2 | 314 Park Ave, Ironton 45638 |
| Peoples Bank | 2 | 221 Railroad St, Ironton 45638 |
| PNC Bank, National Association | 1 | 110 S 4th St, Ironton 45638 |
| The Ohio Valley Bank Company | 1 | 1013 Ironton Hills Dr, Ironton 45638 |
| First State Bank | 1 | 220 S 6th St, Ironton 45638 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lawrence County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Desco | 2915 S 3Rd St, Ironton 45638 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Lawrence County
Frequently asked questions
Are payday loans legal in Lawrence County?
Lawrence 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 Lawrence 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 Lawrence County?
Options include 15 bank and 1 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 Lawrence County?
Fill out our short online form from anywhere in Lawrence 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 Lawrence County?
Yes. You don't need to visit a branch or storefront anywhere in Lawrence 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 Lawrence County, OH?
You can apply at banks, credit unions and lenders in Lawrence 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 get an emergency loan in Lawrence County?
Yes. When an unexpected bill comes up, Lawrence 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 Lawrence 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. Lawrence County residents can start any time, and it takes about 3 minutes.