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Restricted in Ohio

Title loans are restricted in Ohio

Ohio law limits title loans, and there is no request form for them here. Here are other options and free help in Ohio.

Last updated .

BadCreditMD is not a lender or broker. We explain your options; a lending network partner shares requests with lenders, who set their own rates and decide whether to lend. See disclosures.

Part of the Ohio guide

Why this is not available

Ohio allows title loans only in limited forms or under restrictions that lenders in our partner's network do not currently serve. Read the law: Ohio Rev. Code Chapter 1321.. Regulator: Ohio Department of Commerce, Division of Financial Institutions.

Title loans in Ohio
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2][3][4] Restricted See rules below Not set by statute Not set by statute None dedicated to title loans Ohio Rev. Code Chapter 1321.
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Other options in Ohio

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Emergency loans in Ohio: allowed under Ohio law; see its limits and license rules.
  • Installment loans in Ohio: allowed under Ohio law; see its limits and license rules.
  • Payday loans in Ohio: allowed under Ohio law; see its limits and license rules.
  • Personal loans in Ohio: allowed under Ohio law; see its limits and license rules.
  • Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
  • Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
  • Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
  • Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Ohio.

See every loan type Ohio law allows.

Title loans in nearby states

Sources

  1. policymattersohio.org. Ohio Rev. Code Chapter 1321. Retrieved September 23, 2026.
  2. ohiohouse.gov/news/democrat/rep-lundy-introduces-bill-to-end-predatory-auto-title-lending-49221. Retrieved September 23, 2026.
  3. wosu.org/news/2019-10-21/changes-in-ohio-short-term-lending-law-create-new-loan-landscape. Retrieved September 23, 2026.
  4. com.ohio.gov. Ohio Department of Commerce, Division of Financial Institutions. Retrieved September 23, 2026.

Important disclosures

APRs vary by lender and state in Ohio. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Questions about a lender licensed in Ohio? Contact the Ohio Department of Commerce, Division of Financial Institutions or file a state complaint.
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