Galion, OH · Midwest · 36% APR cap
Payday loans in Galion
Galion is governed by Ohio's statewide lending law — cities don't set their own loan rules. Ohio does not license classic two-week payday pricing: a 36% APR cap keeps typical payday fees out of the market. The storefronts that remain sell installment products under that cap.
Classic payday pricing is not licensed here, so treat any two-week, high-fee offer as a red flag.
Lending storefronts in Galion
10,143 residents · Crawford County / Morrow County / Richland County Median household income is $30,299 — below the Ohio median of $55,714.
| Nearest storefronts | Town | Phone |
|---|---|---|
| Advance America | Mansfield 14 mi | (419) 747-7771 |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Ohio page before visiting. Spot an error? Report it.
The online route in Galion
Online lenders can serve Galion without a storefront — but Ohio's 36% cap reaches any lender licensed in the state, wherever it is based. Loans routed through partner banks or tribal charters sit outside that cap, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Ohio regulator.
The rules behind the numbers
Short-term loans in Ohio are capped at a maximum 36% APR including all interest and fees under the Fairness in Lending Act.
Statute: R.C. § 1321.35 et seq. (Short-Term Loan Act)
Regulator: Ohio Division of Financial Institutions · com.ohio.gov
Questions people ask in Galion
Why doesn't Galion have classic payday stores?
Ohio caps small-loan APR at 36%, and that state cap applies in Galion exactly as everywhere else. At 36% a two-week $300 loan earns a lender about $4 — so classic payday pricing can't legally operate here.
What can I legally borrow in Galion?
Installment loans priced under the 36% cap, federal credit-union PALs, and employer advances are the lawful routes. Any storefront or site advertising two-week, high-fee payday pricing to Galion residents is not licensed here.
What lending storefronts are in Galion?
Our 2022-02-20 directory snapshot lists no storefront lenders in Galion — the closest listed locations are in Mansfield.
Who enforces the cap in Galion?
Complaints about a lender go to the Ohio Division of Financial Institutions (com.ohio.gov) — keep the loan agreement and every fee disclosure you were given.