Personal loans in Clayton, OH
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clayton, OH.
The median household in Clayton earns $92,879 a year, 30% above the Ohio median of $71,389. About 7% of residents live below the federal poverty line, and 18.0% of households rent their home.
Ohio law that applies in Clayton
| 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 Clayton
Most Clayton applicants can finish in one sitting if they have these ready:
- 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 Clayton
What Clayton borrowers use it for
pay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Clayton
- 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 Montgomery County
100 FDIC-insured bank branches from 23 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Fifth Third Bank, National Association | 16 | 1 E Main St, Trotwood 45426 |
| JPMorgan Chase Bank, National Association | 12 | 2000 E 3rd St, Dayton 45403 |
| PNC Bank, National Association | 11 | 182 Woodman Dr, Dayton 45431 |
| KeyBank National Association | 9 | 4600 N Dixie Dr, Dayton 45414 |
| The Huntington National Bank | 8 | 7690 Old Troy Pike, Huber Heights 45424 |
| First Financial Bank | 7 | 330 W National Rd, Englewood 45322 |
| U.S. Bank National Association | 6 | 515 E Central Ave, Miamisburg 45342 |
| Farmers & Merchants Bank | 4 | 41 S 1st St, Miamisburg 45342 |
| Union Savings Bank | 4 | 3030 Woodman Dr, Kettering 45420 |
| LCNB National Bank | 3 | 225 Upper Lewisburg Salem Rd, Brookville 45309 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clayton
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Wright-Patt Credit Union, Inc. | 950 Union Rd, Clayton 45315 |
| Code | 4916 National Rd, Clayton 45315 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Montgomery County · Payday Loans in Clayton
Frequently asked questions
Can I get a personal loan with bad credit in Clayton?
Possibly. Lenders in our network consider applicants with fair and bad credit across Ohio, including Clayton. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Clayton, 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 Clayton?
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.
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 Clayton 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.
How can I get an emergency loan in Clayton?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
Can I get a personal loan in Clayton 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. Clayton residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Where can I find a loan for bad credit in Clayton?
You can apply at local banks and lenders in Clayton, 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 Clayton?
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.