Personal loans in Massillon, OH
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Massillon, OH.
The median household in Massillon earns $56,446 a year, 21% below the Ohio median of $71,389. About 14% of residents live below the federal poverty line, and 34.8% of households rent their home.
Ohio law that applies in Massillon
| 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 Massillon
Lenders that serve Massillon 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 Massillon
What Massillon borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Massillon
- 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 Massillon
13 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Commonwealth Bank | 3 | 140 Lincoln Way W, Massillon 44647 |
| The Farmers National Bank of Canfield | 2 | 211 Lincoln Way E, Massillon 44646 |
| The Huntington National Bank | 2 | 153 Lincoln Way E, Massillon 44646 |
| PNC Bank, National Association | 1 | 438 Lake Ave Ne, Massillon 44646 |
| JPMorgan Chase Bank, National Association | 1 | 11 Lincoln Way W, Massillon 44647 |
| KeyBank National Association | 1 | 7925 Hills And Dales Road, N.W., Massillon 44646 |
| Citizens Bank, National Association | 1 | 2200 Wales Ave Nw, Massillon 44646 |
| Woodforest National Bank | 1 | 1 Massillon Marketplace Dr Sw, Massillon 44646 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Massillon
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Friends And Family Credit Union Inc | 46 Federal Ave Nw, Massillon 44647 |
| Golden Circle | 4118 Lincoln Way E, Massillon 44646 |
| 540 I.B.E.W. | 2333 Nave Rd Se, Massillon 44646 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Stark County · Payday Loans in Massillon
Frequently asked questions
Can I get a personal loan with bad credit in Massillon?
Possibly. Lenders in our network consider applicants with fair and bad credit across Ohio, including Massillon. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Massillon, 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 Massillon?
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.
How long does it take to get a personal loan in Massillon?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Massillon.
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 Massillon borrowers who qualify.
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 Massillon with our free 3-minute form.
How do I apply for a personal loan with bad credit in Massillon?
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.
How do installment loans work in Massillon?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Massillon residents can see installment loan offers with our free 3-minute form.
Do I need to visit a store in Massillon?
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.