Loans in Perry County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Perry County, OH.
The median household in Perry County earns $67,460 a year, 6% below the Ohio median of $71,389. About 15% of residents live below the federal poverty line, and 23.6% of households rent their home. 11.6% of households have no home internet; our form works on any phone.
What you need for a payday loan in Perry County
Most Perry 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 Perry County
What Perry County borrowers use it for
pay a doctor, dentist or pharmacy bill now
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 Perry 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 Perry County
Banks with branches in Perry County
10 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Peoples State Bank | 3 | 114 N Main St, New Lexington 43764 |
| North Valley Bank | 1 | 100 E Main St, Somerset 43783 |
| The First National Bank of McConnelsville | 1 | 107 W Main St, Junction City 43748 |
| U.S. Bank National Association | 1 | 105 Public Square, Somerset 43783 |
| PNC Bank, National Association | 1 | 126 S Main St, New Lexington 43764 |
| The Park National Bank | 1 | 206 N Main St, New Lexington 43764 |
| The Waterford Commercial and Savings Bank | 1 | 250 W Main St, Crooksville 43731 |
| The Community Bank | 1 | 42 E Main St, Crooksville 43731 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Perry County. The nearest counties with credit unions:
Credit unions in Fairfield County
6 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Kemba Financial | 941 Hill Rd N, Pickerington 43147 |
| Atomic | 1355 Ety Rd Nw, Lancaster 43130 |
| Cme | 1017 Refugee Rd, Pickerington 43147 |
| Oucu Financial Credit Union, Inc. | 2808 Columbus Lancaster Rd Nw, Lancaster 43130 |
| Lan-Fair | 926 Prestige Blvd, Lancaster 43130 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Hocking County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Atomic | 680 W Hunter St, Logan 43138 |
| Oucu Financial Credit Union, Inc. | 96 W Hunter St, Logan 43138 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Perry County?
Perry 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 Perry 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 Perry 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 Perry County?
Fill out our short online form from anywhere in Perry 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 Perry County with bad credit?
Yes, many lenders in our network work with Perry 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 Perry 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. Perry County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Perry County?
Yes. When an unexpected bill comes up, Perry 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 apply for a loan online in Perry County?
Yes. You don't need to visit a branch or storefront anywhere in Perry 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.