Bad Credit Personal Loans In Ohio
No Hard Credit Checks
If the bank said no, don’t panic. We approve personal loans from $100 to $3,000, with 6–60 month terms
- Quick & Easy Application
- Fair Terms
- No Hidden Fees or Catches
No Payment For 45 Days*
15 Days Interest Free – Use Promo Code 45DAYS
Applying Will Not Affect Your Credit Score* … it only takes a few minutes!
1. Apply
2. Sign Contract
3. Direct Deposit
How Our Bad Credit Personal Loans In Ohio Work (It’s simpler than you think)
The sooner you apply, the sooner you’ll know.
It only takes a few minutes — and you don’t need perfect credit to get started.
Get Your
Sample Quote
NOTE: Personal loan quotes assume a 60 month Personal Loan. Interest & APR vary depending on credit score. 6 to 60 Months Terms Available.
Loan Amount:
Payment = ?
APR = ?
Tailored To Meet Your Needs —
If you’ve got less-than-perfect credit, Our Personal Loans In Ohio Can Help
Looking for fast and easy Bad Credit Personal Loans in Ohio from a trusted local direct lender? Even if your credit is not perfect, we are here to help with an affordable bad credit loan. America’s Loan Company is a trusted Ohio direct lender that provides affordable Personal Loans in Columbus, Ohio, and throughout Ohio to people with Good Credit or Bad Credit scores. Don’t forget to mention promo code 45DAYS and you will have no payments for up to 45 days with the first 10 days interest FREE.
Furthermore, our personal loans have interest rates that can be as low as 10%, depending on credit score. For your convenience, the entire process can be done online without you having to visit our offices. Also, we offer loans to Buckeyes for title loans as well as debt consolidation and refinancing.
Bad Credit Loans In Ohio- Fast, Easy, Affordable
Since 2004, America’s Loan Company has helped thousands of Ohio residents access affordable personal loans, even after they’ve been turned down elsewhere or need urgent loans for bad credit to cover unexpected expenses. We’re a licensed direct lender with a BBB A rating, offering flexible terms from 6 months to 5 years and loan amounts from $100 to $3000. You can apply online, sign your contract electronically, and get your funds via direct deposit the same day you sign the loan contract. So, no matter where you live, whether Columbus, or the greater Columbus areas like Hilliard, Grove City or any where in Ohio, we can do the entire loan process online without you having to step foot into an office. We also help improve your credit by providing loans with payments to fit your budget and reporting payment histories to TransUnion.
Need a loan for repairs, vacations, weddings, or emergencies? But, also, worried about finding a trusted lender? With our A rating from the Better Business Bureau, you can trust America’s Loan Company is here to serve your needs with fair personal loan terms. Find out why we offer the best personal loans in Columbus, OH, or anywhere else in the state.
What kind of loans can you get In Ohio?
Car Title Loans In Ohio
Use your vehicle to borrow up to $10,000 – with no penalties for early payment!
Personal Loans In Ohio
Borrow $100 to $3000 with affordable monthly payments and a simple online process.
Refinance Ohio
Lower your Title Loan and Payday Loan payments by refinancing through a trusted licensed Ohio lender.
We Provide Bad Credit Loans in Ohio to Fit Your Budget
Our aim is to deliver affordable bad credit personal loans to Ohio residents. For that reason, our personal loan terms are adjusted to fit your budget. We make sure to work with you to create terms that work for you. To help easy worries, loan deferments are also available in case of layoff.
You can trust America’s Loan Company as we are a licensed lender in Ohio and are accredited by the Better Business Bureau with a A+ rating. We make the process fast and easy and offer affordable poor credit personal loans with 6 to 60 month terms.
Fast Online Personal Loans
$100 to $3,000
Debt Consolidation & Re-Financing
$100 to $3,000
Car Title Loans
Up to $10,000
Applying Will Not Affect Your Credit Score*
- No Payments For 45 Days – First 15 days interest FREE – Use promo 45DAYS
- Bad credit welcome*
- We are a direct lender in Ohio and you will never be referred to other lenders
- We report your credit to help improve it
- 100% online or in-person
- Rated A+ by the Better Business Bureau
- 6 to 60 months loan terms with payments to fit your budget.
- Interest rates starting at 10% depending on credit score.
- Loan payment deferments available in case of layoff.
What Ohioans Are Saying:
Helping You Get Affordable
Bad Credit Personal Loans in Ohio
Take advantage of our quick loan approval process to apply for a personal loan, car title loan, or a debt consolidation and refinancing loan today. Get the funds you need and apply now online or In person! Installment loan applications are currently being accepted for Ohio residents only.
*We will try our best to provide you with a Personal Loan even if your credit is not perfect. However, we can not guarantee loan approval.
*No payments for 45 days”: Use promo code 45DAYS. Interest will not accrue for up to the first 15 days from contract signing. Interest will begin to accrue after the initial interest free days are over. Number of interest free days may vary depending on when the applicant wants their monthly payments to fall on.
Not just fast. Actually fair
We’re not here to trap you in a cycle. We’re here to help you move forward with real options, flexible terms, and support that doesn’t disappear after approval.
Direct Ohio lender
- We don’t pass you on to someone else. You’re not faced with an AI agent or remote call center, either. You’ll deal directly with us from application to final payment.
Bad credit considered
- You don’t need a perfect score. We’ve helped thousands of Ohio borrowers get approved with past defaults, missed payments, or low credit.
Transparent terms
- You’ll know exactly what you’re signing. No late surprises, no early repayment penalties.
Built to support your future
- We report to TransUnion, so every on-time payment helps rebuild your credit profile.
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Here's Some FAQ's About Personal Loans That Buckeyes Often Ask
Can I get a personal loan in ohio with bad credit or no credit?
Yes. America’s Loan Company has been offering loans to Ohio residents with less than perfect credit since 2004.
How does the installment loans with america’s loan company work?
The first step is to complete our loan application. Once received, we will process, and one of our loan managers will contact you. We don’t use AI. You will always talk to a real person. If approved, the funds would be deposited directly into your bank account the same day the contract is signed.
What can i use a personal loan for in ohio?
America’s Loan Company’s personal loans can be used for almost any purpose, paying on an unexpected expense, car repairs, medical bills, paying rent, getting tickets to your favorite team, among many other reasons.
Are personal loans regulated in ohio?
Absolutely. An honest lender would have to be regulated in Ohio. America’s Loan Company is licensed through the Ohio Department of Financial Institutions. We are also members of the Better Business Bureau.
Why does working with a local lender like america’s loan company matter?
Since we are licensed by the State of Ohio, you know that we adhere to state laws meant to protect you.
Do consumer loans in ohio require a hard credit check?
No. In fact, America’s Loan Company does Soft credit checks. Which means that it will not affect your credit score.
How much can i borrow with personal loan in ohio?
With us you can potentially borrow $100 to $3000 unsecured and up to $10,000 if you have a title to a vehicle with enough value.
What documetns do i need to apply for an installment loan?
At first, we will need an application, a most recent proof of income, and most recent bank statement. Once approved for the loan, we will need a recent utility bill, a copy of your driver’s license, and copy of your social security card.
can you offer personal loans if i just finished my bankruptcy?
Yes. Once your bankruptcy is discharged, it will not prevent us from being able to lend to you.