Pickerington, OH · Midwest · 36% APR cap
Payday loans in Pickerington
Pickerington 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 Pickerington
20,069 residents · Fairfield County / Franklin County Median household income is $82,569 — above the Ohio median of $55,714.
1 storefront location of 1 company listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| National Check Cashers- Pickerington Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1254 Hill Rd N, 43147 | (614) 501-3030 | Mon–Fri 9:00 AM - 7:00 PM · Sat–Sun Closed |
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 Pickerington
Online lenders can serve Pickerington 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 Pickerington
Why doesn't Pickerington have classic payday stores?
Ohio caps small-loan APR at 36%, and that state cap applies in Pickerington 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 Pickerington?
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 Pickerington residents is not licensed here.
What lending storefronts are in Pickerington?
1 storefront is listed in Pickerington in our 2022-02-20 directory snapshot (1 different company). The full list with addresses, phones and hours is in the table above.
Who enforces the cap in Pickerington?
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.