Payday loans in Springfield, OH
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Springfield, OH.
The median household in Springfield earns $47,143 a year, 34% below the Ohio median of $71,389. About 23% of residents live below the federal poverty line, and 47.6% of households rent their home. When an unexpected bill hits before payday, Springfield residents can request $100 to $1,000 online in minutes.
Ohio law that applies in Springfield
| 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 Springfield
Here's what to have on hand before you start your payday loan request in Springfield:
- 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 Springfield
What Springfield borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
How to get a payday loan in Springfield
- 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 Springfield
20 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Park National Bank | 4 | 40 S Limestone St, Springfield 45502 |
| PNC Bank, National Association | 3 | 2025 E Main St, Springfield 45503 |
| The Richwood Banking Company | 2 | 2454 N Limestone St, Springfield 45503 |
| The Huntington National Bank | 2 | 5 W North St, Springfield 45504 |
| Fifth Third Bank, National Association | 2 | 1830 N Bechtle Ave, Springfield 45504 |
| WesBanco Bank, Inc. | 2 | 28 E Main St, Springfield 45502 |
| KeyBank National Association | 1 | 1 S Fountain Ave, Springfield 45502 |
| Woodforest National Bank | 1 | 200 S Tuttle Rd, Springfield 45505 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Springfield
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Wright-Patt Credit Union, Inc. | 2097 N Bechtle Ave, Springfield 45504 |
| Pathways Financial | 1850 S Limestone St, Springfield 45505 |
| Ih Credit Union, Inc. | 5000 Urbana Rd, Springfield 45502 |
| Myusa | 1620 Upper Valley Pike, Springfield 45504 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Clark County · Personal Loans in Springfield
Frequently asked questions
Can I get a payday loan in Springfield, 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 Springfield through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Springfield?
A short-term loan may not exceed $1,000.
How fast can I get a payday loan in Springfield?
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.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Springfield residents can see their options with our 3-minute form.
What is a payday loan in Springfield?
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 Springfield 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.
Where can I get a payday loan in Springfield?
You can visit a storefront in Springfield or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
How do I get a payday loan in Springfield, 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 Springfield borrowers can finish the form 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.
Do I need to visit a store in Springfield?
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.