Loans in Scioto County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Scioto County, OH.
The median household in Scioto County earns $50,609 a year, 29% below the Ohio median of $71,389. About 22% of residents live below the federal poverty line, and 31.6% of households rent their home. 11.2% of households have no home internet; our form works on any phone.
What you need for a payday loan in Scioto County
Most Scioto 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 Scioto County
What Scioto County borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Scioto 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 Scioto County
Banks with branches in Scioto County
16 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 3 | 602 Chillicothe St, Portsmouth 45662 |
| Peoples Bank | 3 | 503 Chillicothe St, Portsmouth 45662 |
| Fifth Third Bank, National Association | 3 | 10551 Route 23 North, Lucasville 45648 |
| PNC Bank, National Association | 2 | 800 Gallia St, Portsmouth 45662 |
| WesBanco Bank, Inc. | 2 | 924 Gallia St, Portsmouth 45662 |
| Woodforest National Bank | 1 | 4490 Gallia St, New Boston 45662 |
| First State Bank | 1 | 1110 Gay St, Portsmouth 45662 |
| Kentucky Farmers Bank Corporation | 1 | 207 Center Street, Wheelersburg 45694 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Scioto County
9 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Atomic | 2741 Scioto Trl, Portsmouth 45662 |
| Desco | 401 Chillicothe St, Portsmouth 45662 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Scioto County
Frequently asked questions
Are payday loans legal in Scioto County?
Scioto 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 Scioto 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 Scioto County?
Options include 16 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 Scioto County?
Fill out our short online form from anywhere in Scioto 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 Scioto County with bad credit?
Yes, many lenders in our network work with Scioto 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 apply for a loan online in Scioto County?
Yes. You don't need to visit a branch or storefront anywhere in Scioto 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 Scioto County, OH?
You can apply at banks, credit unions and lenders in Scioto 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 Scioto County?
Yes. When an unexpected bill comes up, Scioto 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.