Loans in Summit County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Summit County, OH.
The median household in Summit County earns $71,622 a year, about the same as the Ohio median of $71,389. About 13% of residents live below the federal poverty line, and 32.5% of households rent their home.
What you need for a payday loan in Summit County
Most Summit 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 Summit County
What Summit County borrowers use it for
deposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Summit 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 Summit County
Banks with branches in Summit County
126 FDIC-insured bank branches from 24 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Huntington National Bank | 22 | 106 S Main St, Akron 44308 |
| PNC Bank, National Association | 15 | 2710 E Aurora Rd, Twinsburg 44087 |
| JPMorgan Chase Bank, National Association | 14 | 1805 Brittain Rd, Akron 44310 |
| Fifth Third Bank, National Association | 13 | 40 North Ave, Tallmadge 44278 |
| KeyBank National Association | 12 | 379 S Main St, Akron 44311 |
| Citizens Bank, National Association | 10 | 10300 Northfield Rd, Northfield 44067 |
| U.S. Bank National Association | 7 | 2630 Bailey Rd, Cuyahoga Falls 44221 |
| Peoples Bank | 4 | 158 E Cuyahoga Falls Ave, Akron 44310 |
| First National Bank of Pennsylvania | 4 | 497 E Aurora Rd, Macedonia 44056 |
| Flagstar Bank, National Association | 4 | 2783 State Rd, Cuyahoga Falls 44223 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Summit County
29 credit-union locations from 15 credit unions.
| Credit union | Location |
|---|---|
| Integrity | 971 Wooster Rd W, Barberton 44203 |
| Summit | 100 Wheeler St, Akron 44311 |
| New Horizon | 180 2Nd St Sw, Barberton 44203 |
| Seven Seventeen | 1 N Hawkins Ave, Akron 44313 |
| National Police | 1810 Buchholzer Blvd, Akron 44310 |
| Towpath | 2969 Smith Rd, Fairlawn 44333 |
| Genfed Financial | 2492 Wedgewood Dr Ste B, Akron 44312 |
| Bfg | 445 S Main St, Akron 44311 |
| Buckeye State | 197 E Thornton St, Akron 44311 |
| Oc | 8600 Alexandria Dr, Macedonia 44056 |
| Ohio Healthcare | 1174 Battles Ave, Akron 44314 |
| Firestone | 31 Hanna Pkwy, Coventry Township 44319 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Summit County
Frequently asked questions
Are payday loans legal in Summit County?
Summit 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 Summit 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 Summit County?
Options include 126 bank and 29 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 Summit County?
Fill out our short online form from anywhere in Summit 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 an emergency loan in Summit County?
Yes. When an unexpected bill comes up, Summit 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 Summit 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. Summit County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Summit County, OH?
You can apply at banks, credit unions and lenders in Summit 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 apply for a loan online in Summit County?
Yes. You don't need to visit a branch or storefront anywhere in Summit 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.