CashAdvance.io

Ross County, Ohio (OH)

Payday & Installment Loans in Chillicothe, OH

6 lenders in Chillicothe, OH · 6 verified in the last 30 days · + 2 reported, not yet verified

Looking for a payday or installment loan near you in Chillicothe, Ohio? We list 6 lender locations in Chillicothe with addresses, phone numbers, opening hours and, where Ohio publishes it, license status. Last checked October 8, 2026.

Open now or opening soon

Other lenders reported in Chillicothe

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Found in OpenStreetMap (seen Oct 11, 2026). Not yet matched to a state license or the brand's own store list.

Chillicothe lenders at a glance

Chillicothe, in Ross County (population 21,769), has 6 lender locations in our directory: 3 installment lenders, 2 pawn shops and 1 payday loan store, all in ZIP code 45601. The chains with the most stores here are Advance America (1), Cash America Pawn (1) and Lendmark Financial (1). The nearest other city with lenders is Waverly, about 15 miles away, with 4 locations.

Stores by loan type
Payday loans 1
Installment loans 3
Pawn shops 2
County
Ross County
ZIP code
45601

Typical cost in Ohio

Rules for lenders in Chillicothe

Chillicothe has no local payday or title loan ordinance in our records, so Ohio state law applies.

  • A short-term loan under the Short-Term Loan Act can be for at most $1,000. Source: Ohio Rev. Code § 1321.39(A) · verified Oct 8, 2026 · medium confidence
  • A short-term loan must run for at least 91 days, unless the monthly payment is small relative to the borrower's income. Source: Ohio Rev. Code § 1321.39(B) · verified Oct 8, 2026 · medium confidence
  • A short-term loan can run for at most one year. Source: Ohio Rev. Code § 1321.39(B)(1) · verified Oct 8, 2026 · medium confidence
  • Interest on a short-term loan cannot exceed 28 percent a year. Source: Ohio Rev. Code § 1321.40(A) · verified Oct 8, 2026 · medium confidence

All rules: Ohio lending rules.

Questions people ask

How many installment lenders are in Chillicothe, OH?

We list 3 installment lenders, 2 pawn shops and 1 payday loan store in Chillicothe, checked against their sources as of October 8, 2026.

Are payday loans legal in Ohio?

Yes. Payday lenders operate in Ohio under state rules. For example: A short-term loan under the Short-Term Loan Act can be for at most $1,000 (Ohio Rev. Code § 1321.39(A)).

Which lenders have the most stores in Chillicothe?

Advance America (1 store), Cash America Pawn (1 store) and Lendmark Financial (1 store).

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. Ohio Division of Financial Institutions eLicense rosters · 6 locations Last verified Oct 11, 2026
  2. OpenStreetMap (Overpass API), OH · 2 locations Last verified Oct 11, 2026 © OpenStreetMap contributors, ODbL 1.0
  3. Ohio Rev. Code § 1321.39(A), Ohio Rev. Code § 1321.39(B), Ohio Rev. Code § 1321.39(B)(1), Ohio Rev. Code § 1321.39(E) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
  4. Ohio Rev. Code § 1321.40(A), Ohio Rev. Code § 1321.40(B)(1), Ohio Rev. Code § 1321.40(C), Ohio Rev. Code § 1321.40(D), Ohio Rev. Code § 1321.40(E) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
  5. Ohio Rev. Code § 1321.41(E), Ohio Rev. Code § 1321.41(J), Ohio Rev. Code § 1321.41(H) · Payday loans (deferred presentment), Title loans Last verified Oct 8, 2026 · medium confidence
  6. Ohio Rev. Code § 1321.36(A) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
  7. Ohio Rev. Code § 1321.02 · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  8. Ohio Rev. Code § 1321.13(A) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  9. Ohio Rev. Code § 1321.57(A) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  10. Ohio Rev. Code § 1321.63(A)(1) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.