Personal 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.
Ohio law that applies in Centerville
| Rate cap | Small Loan Act: 28% a year on the first $1,000 of the balance and 22% on any amount above $1,000. |
|---|---|
| License required | Yes. |
| Loan sizes covered | The Small Loan Act covers loans of $5,000 or less. |
Full rules with statute citations: Personal 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 personal loan in Centerville
Lenders that serve Centerville typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Centerville
What Centerville borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Centerville
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms 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 · Payday Loans in Centerville
Frequently asked questions
Can I get a personal loan with bad credit in Centerville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Ohio, including Centerville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Centerville, OH?
Licensed lenders capped at 21%-28% a year depending on license; Consumer Installment Loan Act 25%.
How fast can I get a personal loan in Centerville?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get a personal loan in Centerville with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Centerville residents can see if they qualify for $100 to $5,000 in about 3 minutes.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Centerville with our free 3-minute form.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Centerville residents can see their options in about 3 minutes.
Where can I find a loan for bad credit in Centerville?
You can apply at local banks and lenders in Centerville, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within 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.