Loans in Putnam County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Putnam County, OH.
The median household in Putnam County earns $84,928 a year, 19% above the Ohio median of $71,389. About 6% of residents live below the federal poverty line, and 12.9% of households rent their home. 10.2% of households have no home internet; our form works on any phone.
What you need for a payday loan in Putnam County
Most Putnam 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 Putnam County
What Putnam County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Putnam 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 Putnam County
Banks with branches in Putnam County
17 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Fort Jennings State Bank | 7 | 120 N Water St, Fort Jennings 45844 |
| The Union Bank Company | 4 | 318 S Belmore St, Leipsic 45856 |
| The First National Bank of Pandora | 2 | 102 E Main St, Pandora 45877 |
| The Huntington National Bank | 2 | 332 E Main St, Ottawa 45875 |
| WesBanco Bank, Inc. | 1 | 405 E Main St, Ottawa 45875 |
| The Ottoville Bank Company | 1 | 161 W 3rd St, Ottoville 45876 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Putnam County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Partners 1St | 909 N Perry St, Ottawa 45875 |
| Superior Credit Union, Inc | 1381 N Perry St, Ottawa 45875 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Putnam County?
Putnam 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 Putnam 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 Putnam County?
Options include 17 bank and 2 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 Putnam County?
Fill out our short online form from anywhere in Putnam 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 Putnam County?
Yes. You don't need to visit a branch or storefront anywhere in Putnam 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 Putnam County with bad credit?
Yes, many lenders in our network work with Putnam 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 an emergency loan in Putnam County?
Yes. When an unexpected bill comes up, Putnam 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 Putnam 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. Putnam County residents can start any time, and it takes about 3 minutes.