Personal loans in Mason, OH
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Mason, OH.
The median household in Mason earns $125,401 a year, 76% above the Ohio median of $71,389. About 4% of residents live below the federal poverty line, and 19.9% of households rent their home.
Ohio law that applies in Mason
| 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 Mason
Most Mason 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 Mason
What Mason borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Mason
- 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 Mason
19 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Fifth Third Bank, National Association | 2 | 225 W Main St, Mason 45040 |
| U.S. Bank National Association | 2 | 5100 Socialville Foster Rd, Mason 45040 |
| JPMorgan Chase Bank, National Association | 2 | 8605 S Mason Montgomery Rd, Mason 45040 |
| Peoples First Savings Bank | 1 | 225 Reading Rd, Mason 45040 |
| KeyBank National Association | 1 | 6643 Western Row Rd, Mason 45040 |
| LCNB National Bank | 1 | 1050 Reading Rd, Mason 45040 |
| WesBanco Bank, Inc. | 1 | 6501 S Mason Montgomery Rd, Mason 45040 |
| 1st National Bank | 1 | 7451 S Mason Montgomery Rd, Mason 45040 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Mason
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| General Electric | 6960 Tylersville Rd, Mason 45040 |
| Sharefax | 7443 S Mason Montgomery Rd, Mason 45040 |
| Greater Cincinnati School | 7470 S Mason Montgomery Rd, Mason 45040 |
| Members Trust | 4000 Luxottica Pl, Mason 45040 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Warren County · Payday Loans in Mason
Frequently asked questions
Can I get a personal loan with bad credit in Mason?
Possibly. Lenders in our network consider applicants with fair and bad credit across Ohio, including Mason. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Mason, 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 Mason?
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 Mason 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. Mason 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 Mason?
You can apply at local banks and lenders in Mason, 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.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Mason borrowers who qualify.
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.
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 Mason with our free 3-minute form.
Do I need to visit a store in Mason?
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.