Loans in Wayne County, OH: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Wayne County, OH.
The median household in Wayne County earns $73,574 a year, about the same as the Ohio median of $71,389. About 9% of residents live below the federal poverty line, and 23.4% of households rent their home. 12.6% of households have no home internet; our form works on any phone.
What you need for a payday loan in Wayne County
Lenders that serve Wayne 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 Wayne County
What Wayne County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Wayne 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 Wayne County
Banks with branches in Wayne County
43 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Farmers National Bank of Canfield | 10 | 153 E Main St, Smithville 44677 |
| Main Street Bank Corp. | 7 | 121 N Main St, Creston 44217 |
| PNC Bank, National Association | 4 | 101 W Market St, Orrville 44667 |
| Farmers State Bank | 4 | 11 S Main St, West Salem 44287 |
| The Huntington National Bank | 4 | 135 E Liberty St, Wooster 44691 |
| The Commercial and Savings Bank of Millersburg, Ohio | 4 | 333 W South St, Shreve 44676 |
| The Apple Creek Banking Company | 3 | 3 W Main St, Apple Creek 44606 |
| The Killbuck Savings Bank Company | 3 | 152 S Mill St, Fredericksburg 44627 |
| JPMorgan Chase Bank, National Association | 1 | 141 N Walnut St, Wooster 44691 |
| U.S. Bank National Association | 1 | 53 N Portage St, Doylestown 44230 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Wayne County
7 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Directions | 2258 Eagle Pass, Wooster 44691 |
| Everence | 4136 Kidron Rd, Dalton 44618 |
| Wayne County Community | 311 Kaufman Drive, Smithville 44677 |
| Greater Wayne Community | 328 N Main St, Rittman 44270 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Wayne County
Frequently asked questions
Are payday loans legal in Wayne County?
Wayne 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 Wayne 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 Wayne County?
Options include 43 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 Wayne County?
Fill out our short online form from anywhere in Wayne 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.
Where can I get a loan in Wayne County, OH?
You can apply at banks, credit unions and lenders in Wayne 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 Wayne County?
Yes. When an unexpected bill comes up, Wayne 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 Wayne 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. Wayne County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Wayne County with bad credit?
Yes, many lenders in our network work with Wayne 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.