Loans in Richland County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Richland County, OH.
The median household in Richland County earns $59,509 a year, 17% below the Ohio median of $71,389. About 14% of residents live below the federal poverty line, and 32.1% of households rent their home. 10.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Richland County
Here's what to have on hand before you start your payday loan request in Richland County:
- 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 Richland County
What Richland County borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Richland 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 Richland County
Banks with branches in Richland County
36 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Mechanics Bank | 9 | 2 S Main St, Mansfield 44902 |
| The Park National Bank | 8 | 154 Main St, Bellville 44813 |
| Sutton Bank | 3 | 2234 Village Mall Dr, Mansfield 44906 |
| The Huntington National Bank | 3 | 2313 Village Park Ct, Mansfield 44906 |
| JPMorgan Chase Bank, National Association | 3 | 1331 Park Ave W, Mansfield 44906 |
| First Federal Bank of Ohio | 3 | 1748 W 4th St, Mansfield 44906 |
| KeyBank National Association | 2 | 1001 Ashland Rd, Mansfield 44905 |
| Civista Bank | 2 | 156 Mansfield Ave, Shelby 44875 |
| U.S. Bank National Association | 1 | 8 E Main St, Lucas 44843 |
| Woodforest National Bank | 1 | 2485 Possum Run Rd, Mansfield 44903 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Richland County
9 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Directions | 777 N Main St, Mansfield 44902 |
| Pillar | 191 Park Ave E, Mansfield 44902 |
| Advantage | 700 Stumbo Rd, Ontario 44906 |
| Gorman-Rupp & Associates | 1766 Harrington Memorial Rd, Mansfield 44903 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Richland County
Frequently asked questions
Are payday loans legal in Richland County?
Richland 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 Richland 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 Richland County?
Options include 36 bank and 9 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 Richland County?
Fill out our short online form from anywhere in Richland 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 Richland County?
Yes. You don't need to visit a branch or storefront anywhere in Richland 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 Richland County with bad credit?
Yes, many lenders in our network work with Richland 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 Richland County?
Yes. When an unexpected bill comes up, Richland 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 Richland 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. Richland County residents can start any time, and it takes about 3 minutes.