Loans in Lucas County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lucas County, OH.
The median household in Lucas County earns $62,224 a year, 13% below the Ohio median of $71,389. About 18% of residents live below the federal poverty line, and 38.0% of households rent their home.
What you need for a payday loan in Lucas County
Here's what to have on hand before you start your payday loan request in Lucas 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 Lucas County
What Lucas County borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Lucas 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 Lucas County
Banks with branches in Lucas County
94 FDIC-insured bank branches from 18 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| KeyBank National Association | 15 | 5604 Main St, Sylvania 43560 |
| The Huntington National Bank | 15 | 519 Madison Ave, Toledo 43604 |
| Fifth Third Bank, National Association | 15 | 1308 North Reynolds Rd, Adams Township 43615 |
| PNC Bank, National Association | 7 | 2548 Navarre Ave, Oregon 43616 |
| Citizens Bank, National Association | 7 | 1560 S Holland Sylvania Rd, Maumee 43537 |
| The Genoa Banking Company | 4 | 3201 Navarre Ave, Oregon 43616 |
| First Federal Savings and Loan Association | 4 | 3234 N Holland Sylvania Rd, Toledo 43615 |
| WesBanco Bank, Inc. | 4 | 3426 Navarre Ave, Oregon 43616 |
| The Farmers & Merchants State Bank | 4 | 7 Turtle Creek Cir, Swanton 43558 |
| Woodforest National Bank | 4 | 2925 Glendale Ave, Toledo 43614 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lucas County
53 credit-union locations from 19 credit unions.
| Credit union | Location |
|---|---|
| Sun | 1627 Holland Rd, Maumee 43537 |
| Superior Credit Union, Inc | 6600 Sylvania Ave, Sylvania 43560 |
| Directions | 5121 Whiteford Rd, Sylvania 43560 |
| Security | 1001 S Reynolds Rd, Toledo 43615 |
| Glass City | 1340 Arrowhead Dr, Maumee 43537 |
| Cornerstone Community Financial | 4400 Heatherdowns Blvd, Toledo 43614 |
| Jeep Country | 7030 Spring Meadows West Dr, Holland 43528 |
| Bay Area | 4202 Navarre Ave, Oregon 43616 |
| Promedica | 2301 W Central Ave, Toledo 43606 |
| Champion | 4140 W Laskey Rd, Toledo 43623 |
| Educational Community Alliance | 3845 Angola Rd, Toledo 43615 |
| University Of Toledo | 5248 Hill Ave, Toledo 43615 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Lucas County
Frequently asked questions
Are payday loans legal in Lucas County?
Lucas 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 Lucas 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 Lucas County?
Options include 94 bank and 53 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 Lucas County?
Fill out our short online form from anywhere in Lucas 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 an emergency loan in Lucas County?
Yes. When an unexpected bill comes up, Lucas 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.
Where can I get a loan in Lucas County, OH?
You can apply at banks, credit unions and lenders in Lucas 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 a loan in Lucas 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. Lucas County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Lucas County?
Yes. You don't need to visit a branch or storefront anywhere in Lucas 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.