Ohio (OH) lender directory
Installment Loans in Ohio
Looking for an installment loan near you in Ohio? Pick your city below. We list 242 stores in 123 Ohio cities, built from state license records and lenders' own store pages. Data last checked October 8, 2026.
Read our guide: Installment Loans vs. Payday Loans: Costs, Terms and Which Is Safer
Installment loans by city
Top cities
- Installment loans in Cincinnati 13
- Installment loans in Columbus 7
- Installment loans in Toledo 7
- Installment loans in Marion 6
- Installment loans in Youngstown 6
- Installment loans in Canton 5
- Installment loans in Cleveland 5
- Installment loans in Lancaster 5
- Installment loans in Lima 5
- Installment loans in Springfield 5
- Installment loans in Zanesville 5
- Installment loans in Findlay 4
All 123 cities A–Z
A
B
- Beavercreek 1
- Bellefontaine 1
- Blue Ash 1
- Bowling Green 1
- Brunswick 1
- Bryan 1
C
- Calcutta 1
- Cambridge 3
- Canfield 1
- Canton 5
- Celina 2
- Chillicothe 3
- Cincinnati 13
- Circleville 1
- Cleveland 5
- Cleves 1
- Columbus 7
- Cortland 1
- Coshocton 1
- Cuyahoga Falls 2
D
E
F
- Fairborn 1
- Fairlawn 2
- Fairview Park 1
- Findlay 4
- Forest Park 1
- Fremont 2
G
- Gahanna 1
- Gallipolis 2
- Garfield Heights 1
- Georgetown 1
- Greenville 2
- Grove City 3
- Groveport 1
H
- Hamilton 4
- Heath 2
- Hilliard 2
- Holland 1
- Huber Heights 1
I
- Ironton 1
J
- Jackson 3
K
L
M
- Madison 1
- Magnolia 1
- Mansfield 2
- Maple Heights 1
- Marietta 1
- Marion 6
- Marysville 1
- Mason 1
- Maumee 1
- Medina 1
- Mentor 4
- Miamisburg 1
- Middleburg Heights 1
- Middletown 2
- Milford 1
- Mount Vernon 3
N
- Napoleon 1
- New Boston 1
- New Philadelphia 3
- Newark 2
- Niles 2
- Northfield 1
- Northwood 1
- Norwood 1
O
P
- Parma 1
- Parma Heights 1
- Perrysburg 1
- Piqua 1
- Portsmouth 1
- Powell 1
R
- Ravenna 2
- Reynoldsburg 3
S
- Salem 1
- Sandusky 3
- Sidney 2
- South Point 1
- Springdale 1
- Springfield 5
- St. Clairsville 2
- Steubenville 2
- Strongsville 1
T
U
- Uhrichsville 1
- Urbana 1
V
- Van Wert 1
W
- Wapakoneta 1
- Warren 1
- Wauseon 1
- Waverly 2
- West Jefferson 1
- Westerville 1
- Wheelersburg 3
- Wilmington 1
- Wooster 2
- Worthington 1
Y
Z
Installment loans in Ohio: the rules
Rules marked "medium confidence" were checked against a published copy of the statute because the official site was unavailable to us. Confirm them with the official text before relying on them.
- The Small Loan Act covers loans of $5,000 or less and requires a license from the Division of Financial Institutions. Source: Ohio Rev. Code § 1321.02 · verified Oct 8, 2026 · medium confidence
- A Small Loan Act licensee may charge up to 28 percent a year on the part of the unpaid balance up to $1,000. Source: Ohio Rev. Code § 1321.13(A) · verified Oct 8, 2026 · medium confidence
- On the part of the unpaid balance above $1,000, a Small Loan Act licensee may charge up to 22 percent a year. Source: Ohio Rev. Code § 1321.13(A) · verified Oct 8, 2026 · medium confidence
- A General Loan Law registrant may charge interest of up to 21 percent a year on the unpaid balance. Source: Ohio Rev. Code § 1321.57(A) · verified Oct 8, 2026 · medium confidence
- Lending under the Consumer Installment Loan Act requires a license from the Superintendent of Financial Institutions. Source: Ohio Rev. Code § 1321.63(A)(1) · verified Oct 8, 2026 · medium confidence
Lenders in Ohio are licensed by the Ohio Department of Commerce, Division of Financial Institutions (ODFI). You can look up any license in its license search. See also online lenders and apps in Ohio.
Ohio lending statistics
Official figures, grouped by the report they come from. Older reports are the latest published for that measure.
Ohio Division of Financial Institutions annual report 2022 (2022)
| Loan | Measure | Value |
|---|---|---|
| Payday (deferred presentment) | Average charges per loan | $50.95 |
| Payday (deferred presentment) | Average loan | $496.15 |
| Payday (deferred presentment) | Borrowers | 128,187 |
| Payday (deferred presentment) | Loans charged off | 42,561 |
| Payday (deferred presentment) | Average contracted APR (excluding one company) | 110.68% |
| Payday (deferred presentment) | Loans in default | 58,604 |
| Payday (deferred presentment) | Average APR actually paid (excluding one company) | 75.42% |
| Payday (deferred presentment) | Licensed locations (Short-Term Loan Act) | 107 |
| Payday (deferred presentment) | Total amount lent | $138,140,556 |
| Payday (deferred presentment) | Loans made | 278,424 |
| Installment loan | Licensed locations (Consumer Installment Loan Act) | 302 |
| Installment loan | Licensed locations (Small Loan Act) | 35 |
| Installment loan | Total amount lent (Consumer Installment Loan Act) | $950,550,617 |
| Installment loan | Loans made (Consumer Installment Loan Act) | 258,453 |
| Installment loan | Registered locations (General Loan Law) | 257 |
Source: Ohio Division of Financial Institutions annual report 2022 · verified Oct 8, 2026
Questions people ask
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)).
How many installment lenders are in Ohio?
We list 242 installment lenders in Ohio, in 123 cities.
Which Ohio cities have the most installment lenders?
Cincinnati (13), Columbus (7), Toledo (7), Marion (6) and Youngstown (6).
How do I check a lender's license in Ohio?
Lenders in Ohio are licensed by the Ohio Department of Commerce, Division of Financial Institutions (ODFI). You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.
Answers are generated from the listings and verified rules on this page; see Sources below.
Sources
Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.
- Ohio Division of Financial Institutions eLicense rosters · 238 locations Last verified Oct 11, 2026
- OneMain Financial branches (OH) · 65 locations Last verified Oct 11, 2026
- OpenStreetMap (Overpass API), OH · 23 locations Last verified Oct 11, 2026 © OpenStreetMap contributors, ODbL 1.0
- Republic Finance locations (OH) · 8 locations Last verified Oct 11, 2026
- 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
- 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
- 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
- Ohio Rev. Code § 1321.36(A) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
- Ohio Rev. Code § 1321.02 · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
- Ohio Rev. Code § 1321.13(A) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
- Ohio Rev. Code § 1321.57(A) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
- 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.