Loans in Montgomery County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Montgomery County, OH.
The median household in Montgomery County earns $66,139 a year, 7% below the Ohio median of $71,389. About 15% of residents live below the federal poverty line, and 37.5% of households rent their home.
What you need for a payday loan in Montgomery County
Lenders that serve Montgomery County typically ask for the following:
- 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 Montgomery County
What Montgomery County borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Montgomery 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 Montgomery County
Banks with branches in Montgomery County
100 FDIC-insured bank branches from 23 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Fifth Third Bank, National Association | 16 | 1 E Main St, Trotwood 45426 |
| JPMorgan Chase Bank, National Association | 12 | 2000 E 3rd St, Dayton 45403 |
| PNC Bank, National Association | 11 | 182 Woodman Dr, Dayton 45431 |
| KeyBank National Association | 9 | 4600 N Dixie Dr, Dayton 45414 |
| The Huntington National Bank | 8 | 7690 Old Troy Pike, Huber Heights 45424 |
| First Financial Bank | 7 | 330 W National Rd, Englewood 45322 |
| U.S. Bank National Association | 6 | 515 E Central Ave, Miamisburg 45342 |
| Farmers & Merchants Bank | 4 | 41 S 1st St, Miamisburg 45342 |
| Union Savings Bank | 4 | 3030 Woodman Dr, Kettering 45420 |
| LCNB National Bank | 3 | 225 Upper Lewisburg Salem Rd, Brookville 45309 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Montgomery County
49 credit-union locations from 16 credit unions.
| Credit union | Location |
|---|---|
| Topmark | 7915 Washington Woods Dr, Dayton 45459 |
| Wright-Patt Credit Union, Inc. | 277 E Alex Bell Rd, Centerville 45459 |
| Pathways Financial | 175 W Wenger Rd, Englewood 45322 |
| Day Air | 3501 Wilmington Pike, Kettering 45429 |
| Universal 1 | 1 River Park Dr, Dayton 45409 |
| River Valley | 505 Earl Blvd, Miamisburg 45342 |
| Bridge | 409 E Monument Ave, Dayton 45402 |
| Myusa | 21 W Dorothy Ln, Kettering 45429 |
| Abbey | 800 Falls Creek Dr, Vandalia 45377 |
| Code | 355 W Monument Ave, Dayton 45402 |
| Treadwell | 4988 Wagner Ford Rd, Dayton 45414 |
| Kh Credit Union, Inc. | 7740 Paragon Rd, Dayton 45459 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Montgomery County
Frequently asked questions
Are payday loans legal in Montgomery County?
Montgomery 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 Montgomery 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 Montgomery County?
Options include 100 bank and 49 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 Montgomery County?
Fill out our short online form from anywhere in Montgomery 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 Montgomery 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. Montgomery County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Montgomery County?
Yes. When an unexpected bill comes up, Montgomery 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 Montgomery County with bad credit?
Yes, many lenders in our network work with Montgomery 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.
Where can I get a loan in Montgomery County, OH?
You can apply at banks, credit unions and lenders in Montgomery 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.