Personal loans in Kent, OH
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kent, OH.
The median household in Kent earns $42,964 a year, 40% below the Ohio median of $71,389. About 27% of residents live below the federal poverty line, and 59.2% of households rent their home.
Ohio law that applies in Kent
| 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 Kent
Here's what to have on hand before you start your personal loan request in Kent:
- 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 Kent
What Kent borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Kent
- 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 Kent
11 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Hometown Bank | 3 | 142 N Water St, Kent 44240 |
| JPMorgan Chase Bank, National Association | 2 | 1550 S Water St, Kent 44240 |
| KeyBank National Association | 1 | 1620 S Water St, Kent 44240 |
| The Huntington National Bank | 1 | 1729 State Route 59, Kent 44240 |
| Woodforest National Bank | 1 | 250 Tallmadge Rd, Kent 44240 |
| Portage Community Bank | 1 | 1532 S Water St, Kent 44240 |
| WesBanco Bank, Inc. | 1 | 182 Tallmadge Rd, Kent 44240 |
| PNC Bank, National Association | 1 | 1075 Risman Drive, Kent 44242 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kent
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Seven Seventeen | 2301 State Route 59, Kent 44240 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Portage County · Payday Loans in Kent
Frequently asked questions
Can I get a personal loan with bad credit in Kent?
Possibly. Lenders in our network consider applicants with fair and bad credit across Ohio, including Kent. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Kent, 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 Kent?
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 Kent with our free 3-minute form.
Can I get an emergency loan with bad credit in Kent?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Kent residents can see if they qualify in about 3 minutes.
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 do I apply for a personal loan with bad credit in Kent?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Can I get a personal loan in Kent 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. Kent residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Kent?
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.