Ohio (OH) lender directory
Title Loans in Ohio
Looking for a title loan near you in Ohio? Pick your city below. We list 2 stores in 2 Ohio cities, built from state license records and lenders' own store pages. Data last checked October 8, 2026.
Read our guide: Title Loans: How They Work, What They Cost, and the Risks
Title loans by city
Title 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.
- A short-term lender cannot take a vehicle title, registration or other collateral as security. Source: Ohio Rev. Code § 1321.41(H) · 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 title loan stores are in Ohio?
We list 2 title loan stores in Ohio, in 2 cities.
Which Ohio cities have the most title loan stores?
Dayton (1) and Xenia (1).
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 · 2 locations Last verified Oct 11, 2026
- OpenStreetMap (Overpass API), OH · 1 location Last verified Oct 11, 2026 © OpenStreetMap contributors, ODbL 1.0
- 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.