CashAdvance.io

Shelby County, Ohio (OH)

Installment Loans & Pawn Shops in Sidney, OH

3 lenders in Sidney, OH · 3 verified in the last 30 days

Looking for an installment loan or a pawn shop near you in Sidney, Ohio? We list 3 lender locations in Sidney with addresses, phone numbers, opening hours and, where Ohio publishes it, license status. Last checked October 8, 2026.

Open now or opening soon

Sidney lenders at a glance

Sidney, in Shelby County (population 20,392), has 3 lender locations in our directory: 2 installment lenders and 1 pawn shop, all in ZIP code 45365. The chain with the most stores here is Cash America Pawn (1). The nearest other city with lenders is Piqua, about 11 miles away, with 2 locations.

Stores by loan type
Installment loans 2
Pawn shops 1
County
Shelby County
ZIP code
45365

Typical cost in Ohio

  • 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 · medium confidence

Rules for lenders in Sidney

Sidney 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 Sidney, OH?

We list 2 installment lenders and 1 pawn shop in Sidney, 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 Sidney?

Cash America Pawn (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 · 3 locations Last verified Oct 11, 2026
  2. 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
  3. 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
  4. 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
  5. Ohio Rev. Code § 1321.36(A) · Payday loans (deferred presentment) Last verified Oct 8, 2026 · medium confidence
  6. Ohio Rev. Code § 1321.02 · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  7. Ohio Rev. Code § 1321.13(A) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  8. Ohio Rev. Code § 1321.57(A) · Installment and consumer finance loans Last verified Oct 8, 2026 · medium confidence
  9. 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.