Loans in Ross County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Ross County, OH.
The median household in Ross County earns $61,303 a year, 14% below the Ohio median of $71,389. About 16% of residents live below the federal poverty line, and 30.4% of households rent their home.
What you need for a payday loan in Ross County
Lenders that serve Ross 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 Ross County
What Ross County borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Ross 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 Ross County
Banks with branches in Ross County
19 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Kingston National Bank | 4 | 11811 Main Street, Adelphi 43101 |
| LCNB National Bank | 3 | 193 E. Main St, Chillicothe 45601 |
| THE VINTON COUNTY NATIONAL BANK | 3 | 206 Church St, Richmond Dale 45673 |
| Buckeye State Bank | 2 | 101 E Main St, Bainbridge 45612 |
| The Huntington National Bank | 2 | 445 Western Ave, Chillicothe 45601 |
| PNC Bank, National Association | 1 | 1080 N Bridge St, Chillicothe 45601 |
| WesBanco Bank, Inc. | 1 | 49 E Water St, Chillicothe 45601 |
| Fifth Third Bank, National Association | 1 | 128 W Main St, Chillicothe 45601 |
| Woodforest National Bank | 1 | 85 River Trce, Chillicothe 45601 |
| Union Savings Bank | 1 | 1240 N Bridge Street, Chillicothe 45601 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Ross County
7 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Atomic | 1326 N Bridge St, Chillicothe 45601 |
| Universal 1 | 1080 N Bridge St, Chillicothe 45601 |
| Homeland | 310 Caldwell St, Chillicothe 45601 |
| Chivaho | 17273 State Route 104, Chillicothe 45601 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Ross County
Frequently asked questions
Are payday loans legal in Ross County?
Ross 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 Ross 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 Ross County?
Options include 19 bank and 7 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 Ross County?
Fill out our short online form from anywhere in Ross 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 Ross 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. Ross County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Ross County?
Yes. You don't need to visit a branch or storefront anywhere in Ross 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.
Where can I get a loan in Ross County, OH?
You can apply at banks, credit unions and lenders in Ross 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 a loan in Ross County with bad credit?
Yes, many lenders in our network work with Ross 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.