Richland, OH · Midwest · 36% APR cap
Payday loans in Richland
Richland 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 Richland
40,261 residents · Allen County/Belmont County/Clinton County/Darke County/Defiance County/Fairfield County/Guernsey County/Holmes County/Logan County/Marion County/Vinton County/Wyandot County Median household income is $55,329 — below the Ohio median of $55,714.
| Nearest storefronts | Town | Phone |
|---|---|---|
| OneMain Financial | Jackson 6 mi | (740) 286-5071 |
| Advance America | Lima 12 mi | (419) 222-3900 |
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 Richland
Online lenders can serve Richland 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 Richland
Why doesn't Richland have classic payday stores?
Ohio caps small-loan APR at 36%, and that state cap applies in Richland 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 Richland?
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 Richland residents is not licensed here.
What lending storefronts are in Richland?
Our 2022-02-20 directory snapshot lists no storefront lenders in Richland — the closest listed locations are in Jackson, Lima.
Who enforces the cap in Richland?
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.