Loans in Madison County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Madison County, OH.
The median household in Madison County earns $87,045 a year, 22% above the Ohio median of $71,389. About 8% of residents live below the federal poverty line, and 22.5% of households rent their home.
What you need for a payday loan in Madison County
Most Madison 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 Madison County
What Madison County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Madison 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 Madison County
Banks with branches in Madison County
10 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 | 2 | 1 E Main St, West Jefferson 43162 |
| PNC Bank, National Association | 1 | 30 W High St, London 43140 |
| JPMorgan Chase Bank, National Association | 1 | 47 N London St, Mount Sterling 43143 |
| The Merchants National Bank | 1 | 279 Lafayette St, London 43140 |
| Civista Bank | 1 | 320 S Jefferson Ave, Plain City 43064 |
| North Valley Bank | 1 | 299 Yankeetown St, Mount Sterling 43143 |
| Woodforest National Bank | 1 | 375 Lafayette St, London 43140 |
| The Savings Bank | 1 | 1104 Eagleton Blvd, London 43140 |
| The Farmers National Bank of Canfield | 1 | 490 S Jefferson Ave, Plain City 43064 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Madison County. The nearest counties with credit unions:
Credit unions in Clark County
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Wright-Patt Credit Union, Inc. | 2097 N Bechtle Ave, Springfield 45504 |
| Pathways Financial | 1850 S Limestone St, Springfield 45505 |
| Ih Credit Union, Inc. | 5000 Urbana Rd, Springfield 45502 |
| Myusa | 1620 Upper Valley Pike, Springfield 45504 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Franklin County
65 credit-union locations from 20 credit unions.
| Credit union | Location |
|---|---|
| Wright-Patt Credit Union, Inc. | 1761 W Lane Ave, Upper Arlington 43221 |
| Baxter | 7000 Cardinal Pl, Dublin 43017 |
| Together | 690 Schrock Rd, Columbus 43229 |
| Kemba Financial | 555 Officenter Pl, Gahanna 43230 |
| Telhio | 8010 E Broad St, Reynoldsburg 43068 |
| Pathways Financial | 5665 N Hamilton Rd, Columbus 43230 |
| Bmi | 760 Kinnear Rd, Columbus 43212 |
| Cme | 150 E Mound St, Columbus 43215 |
| Abbott Laboratories | 3300 Stelzer Rd, Columbus 43219 |
| Credit Union Of Ohio | 5500 Britton Pkwy, Hilliard 43026 |
| Bridge | 1980 W Broad St, Columbus 43223 |
| First Service | 100 Main St, Groveport 43125 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Madison County
Frequently asked questions
Are payday loans legal in Madison County?
Madison 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 Madison 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 Madison County?
Options include 10 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 Madison County?
Fill out our short online form from anywhere in Madison 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 Madison County?
Yes. You don't need to visit a branch or storefront anywhere in Madison 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 Madison County with bad credit?
Yes, many lenders in our network work with Madison 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.
Can I get a loan in Madison 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. Madison County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Madison County, OH?
You can apply at banks, credit unions and lenders in Madison 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.