Loans in Union County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Union County, OH.
The median household in Union County earns $112,322 a year, 57% above the Ohio median of $71,389. About 5% of residents live below the federal poverty line, and 20.8% of households rent their home.
What you need for a payday loan in Union County
Here's what to have on hand before you start your payday loan request in Union 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 Union County
What Union County borrowers use it for
gifts and travel without maxing a card
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Union 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 Union County
Banks with branches in Union County
13 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Richwood Banking Company | 3 | 28 N Franklin St, Richwood 43344 |
| JPMorgan Chase Bank, National Association | 3 | 406 W 5th St, Marysville 43040 |
| Fifth Third Bank, National Association | 2 | 120 W 5th St, Marysville 43040 |
| PNC Bank, National Association | 1 | 204 E 5th St, Marysville 43040 |
| The Huntington National Bank | 1 | 220 W 5th St, Marysville 43040 |
| The Merchants National Bank | 1 | 181 Colemans Xing, Marysville 43040 |
| The Farmers National Bank of Canfield | 1 | 160 Colemans Xing, Marysville 43040 |
| First Federal Community Bank of Bucyrus | 1 | 251 Colemans Xing, Marysville 43040 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Union County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Pathways Financial | 121 Emmaus Rd, Marysville 43040 |
| Honda | 19775 State Route 739, Marysville 43040 |
| Scott Associates | 14111 Scottslawn Rd, Marysville 43040 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Union County
Frequently asked questions
Are payday loans legal in Union County?
Union 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 Union 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 Union County?
Options include 13 bank and 4 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 Union County?
Fill out our short online form from anywhere in Union 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 Union County?
Yes. When an unexpected bill comes up, Union 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 apply for a loan online in Union County?
Yes. You don't need to visit a branch or storefront anywhere in Union 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 Union County with bad credit?
Yes, many lenders in our network work with Union 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.
Where can I get a loan in Union County, OH?
You can apply at banks, credit unions and lenders in Union 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.