Payday loans in Centerville, OH
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Centerville, OH.
The median household in Centerville earns $85,492 a year, 20% above the Ohio median of $71,389. About 9% of residents live below the federal poverty line, and 33.0% of households rent their home. When an unexpected bill hits before payday, Centerville residents can request $100 to $1,000 online in minutes.
Ohio law that applies in Centerville
| Maximum loan | A short-term loan may not exceed $1,000. |
|---|---|
| Fee cap | Interest is capped at 28% a year. |
| Rollovers | A lender may refinance a short-term loan only if the new loan stays within the 28% interest cap and no monthly maintenance fee is charged on it. |
| Loans at once | A lender (or its affiliates or employees) may not make you a new short-term loan while you still owe it one, except a permitted refinance. |
Full rules with statute citations: Payday Loans in Ohio. Cities in Ohio cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Centerville
Most Centerville 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 Centerville
What Centerville borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a payday loan in Centerville
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Ohio.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Ohio does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Centerville
13 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Fifth Third Bank, National Association | 2 | 925 S Main St, Centerville 45458 |
| JPMorgan Chase Bank, National Association | 2 | 6000 Far Hills Ave, Centerville 45459 |
| First Financial Bank | 2 | 1015 S Main St, Centerville 45458 |
| PNC Bank, National Association | 1 | 1001 E Centerville Station Rd, Centerville 45459 |
| U.S. Bank National Association | 1 | 360 N Main St, Centerville 45459 |
| The Huntington National Bank | 1 | 500 Miamisburg Centerville Rd, Centerville 45459 |
| WesBanco Bank, Inc. | 1 | 6291 Wilmington Pike, Centerville 45459 |
| The Old Fort Banking Company | 1 | 250 Regency Ridge Dr, Centerville 45459 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Centerville
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Wright-Patt Credit Union, Inc. | 277 E Alex Bell Rd, Centerville 45459 |
| Day Air | 9655 Dayton Lebanon Pike, Centerville 45458 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Montgomery County · Greene County · Personal Loans in Centerville
Frequently asked questions
Can I get a payday loan in Centerville, OH?
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). You can request one online from Centerville through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Centerville?
A short-term loan may not exceed $1,000.
How fast can I get a payday loan in Centerville?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
What is a payday loan in Centerville?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in Centerville can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and Ohio rules. See if you qualify in about 3 minutes.
Is a payday loan the same as a cash advance?
The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on Ohio rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Centerville residents can request a payday advance online through our network in about 3 minutes.
How do I get a payday loan in Centerville, OH?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most Centerville borrowers can finish the form in about 3 minutes.
Do I need to visit a store in Centerville?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.