Personal loans in Piqua, OH
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Piqua, OH.
The median household in Piqua earns $67,796 a year, 5% below the Ohio median of $71,389. About 18% of residents live below the federal poverty line, and 34.6% of households rent their home.
Ohio law that applies in Piqua
| 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 Piqua
Lenders that serve Piqua 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 Piqua
What Piqua borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Piqua
- 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 Piqua
7 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Park National Bank | 2 | 215 N Wayne St, Piqua 45356 |
| Fifth Third Bank, National Association | 2 | 1701 W High St, Piqua 45356 |
| First Bank Midwest | 2 | 138 N Sunset Dr, Piqua 45356 |
| JPMorgan Chase Bank, National Association | 1 | 401 Spring St, Piqua 45356 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Piqua
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Wright-Patt Credit Union, Inc. | 1284 E Ash St, Piqua 45356 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Miami County · Payday Loans in Piqua
Frequently asked questions
Can I get a personal loan with bad credit in Piqua?
Possibly. Lenders in our network consider applicants with fair and bad credit across Ohio, including Piqua. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Piqua, 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 Piqua?
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 Piqua?
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 Piqua.
Where can I find a loan for bad credit in Piqua?
You can apply at local banks and lenders in Piqua, 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.
Can I get a personal loan in Piqua 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. Piqua residents can see if they qualify for $100 to $5,000 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.
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 Piqua with our free 3-minute form.
Do I need to visit a store in Piqua?
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.