Loans in Licking County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Licking County, OH.
The median household in Licking County earns $84,426 a year, 18% above the Ohio median of $71,389. About 10% of residents live below the federal poverty line, and 26.3% of households rent their home.
What you need for a payday loan in Licking County
Most Licking County applicants can finish in one sitting if they have these ready:
- 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 Licking County
What Licking County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Licking 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 Licking County
Banks with branches in Licking County
44 FDIC-insured bank branches from 15 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Park National Bank | 11 | 50 N 3rd St, Newark 43055 |
| JPMorgan Chase Bank, National Association | 7 | 895 Hebron Rd, Heath 43056 |
| First Federal Savings and Loan Association | 5 | 2 N 2nd St, Newark 43055 |
| The Huntington National Bank | 5 | 1040 N 21st St, Newark 43055 |
| Peoples State Bank | 2 | 354 S Main St, Pataskala 43062 |
| German American Bank | 2 | 730 W Coshocton St, Johnstown 43031 |
| Peoples Bank | 2 | 1180 N 21st St, Newark 43055 |
| Woodforest National Bank | 2 | 911 Hebron Rd, Heath 43056 |
| North Valley Bank | 2 | 202 Commodore Ct, Hebron 43025 |
| PNC Bank, National Association | 1 | 586 Hebron Rd, Heath 43056 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Licking County
10 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Hopewell | 501 Hopewell Dr, Heath 43056 |
| C E S | 8 N Main St, Utica 43080 |
| Truecore | 215 Deo Dr, Newark 43055 |
| Harvest | 34 Licking View Dr, Heath 43056 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Licking County
Frequently asked questions
Are payday loans legal in Licking County?
Licking 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 Licking 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 Licking County?
Options include 44 bank and 10 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 Licking County?
Fill out our short online form from anywhere in Licking 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 Licking County?
Yes. You don't need to visit a branch or storefront anywhere in Licking 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 Licking County, OH?
You can apply at banks, credit unions and lenders in Licking 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 Licking County?
Yes. When an unexpected bill comes up, Licking 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 Licking 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. Licking County residents can start any time, and it takes about 3 minutes.