Loans in Paulding County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Paulding County, OH.
The median household in Paulding County earns $67,731 a year, 5% below the Ohio median of $71,389. About 9% of residents live below the federal poverty line, and 19.9% of households rent their home. 13.9% of households have no home internet; our form works on any phone.
What you need for a payday loan in Paulding County
Most Paulding 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 Paulding County
What Paulding County borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Paulding 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 Paulding County
Banks with branches in Paulding County
7 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The State Bank and Trust Company | 2 | 218 North First Street, Oakwood 45873 |
| The Antwerp Exchange Bank Company | 2 | 305 S Main St, Antwerp 45813 |
| First Financial Bank | 1 | 201 N Main St, Paulding 45879 |
| WesBanco Bank, Inc. | 1 | 905 N Williams St, Paulding 45879 |
| The Union Bank Company | 1 | 103 S Main St, Paulding 45879 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Paulding County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Genfed Financial | 5350 County Road 424, Antwerp 45813 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Paulding County?
Paulding 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 Paulding 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 Paulding County?
Options include 7 bank and 1 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 Paulding County?
Fill out our short online form from anywhere in Paulding 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 Paulding 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. Paulding County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Paulding County with bad credit?
Yes, many lenders in our network work with Paulding 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 Paulding County, OH?
You can apply at banks, credit unions and lenders in Paulding 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 Paulding County?
Yes. When an unexpected bill comes up, Paulding 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.