Loans in Miami County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Miami County, OH.
The median household in Miami County earns $76,817 a year, 8% above the Ohio median of $71,389. About 9% of residents live below the federal poverty line, and 26.6% of households rent their home.
What you need for a payday loan in Miami County
Most Miami 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 Miami County
What Miami County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Miami 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 Miami County
Banks with branches in Miami County
30 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Fifth Third Bank, National Association | 5 | 1851 W Main St, Troy 45373 |
| The Park National Bank | 3 | 215 N Wayne St, Piqua 45356 |
| JPMorgan Chase Bank, National Association | 3 | 1281 W Main St, Tipp City 45371 |
| First Bank Midwest | 3 | 138 N Sunset Dr, Piqua 45356 |
| Greenville Federal | 3 | 1091 S Dorset Rd, Troy 45373 |
| U.S. Bank National Association | 2 | 910 W Main St, Troy 45373 |
| The Covington Savings and Loan Association | 2 | 117 N High St, Covington 45318 |
| Monroe Federal Savings and Loan Association | 2 | 24 E Main St, Tipp City 45371 |
| Greenville National Bank | 2 | 11929 Us Route 36, Bradford 45308 |
| First Financial Bank | 1 | 635 S Market St, Troy 45373 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Miami County
6 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Wright-Patt Credit Union, Inc. | 2501 W Main St, Troy 45373 |
| Abbey | 891 W Market St, Troy 45373 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Miami County
Frequently asked questions
Are payday loans legal in Miami County?
Miami 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 Miami 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 Miami County?
Options include 30 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 Miami County?
Fill out our short online form from anywhere in Miami 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 Miami 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. Miami County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Miami County?
Yes. You don't need to visit a branch or storefront anywhere in Miami 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 Miami County, OH?
You can apply at banks, credit unions and lenders in Miami 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 Miami County?
Yes. When an unexpected bill comes up, Miami 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.