Personal Loans – Easy, Local, Affordable

10 Days Interest FREE
No Payments For Up To 40 Days*

Use Promo Code 40DAYS

Applying Will Not Affect Your Credit Score*

1. Apply

2. Sign Contract

3. Direct Deposit

Tailored To Meet Your Needs —

Life Happens. Our Personal Loans Help

Do you need an fast, easy, and affordable Personal Loan from a local lender in Ohio? We may be able to help. 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 40DAYS and you will have no payments for up to 40 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.

Since 2004, we have been helping Ohio residents reach their goals with personal loans to get cash into their hands for what’s most important to them, while also improving their credit scores.  We do this by providing loans with payments to fit your budget and reporting payment histories to TransUnion.

Need a loan for repairs, vacations, weddings, or emergencies?  Find out why we offer the best personal loan in West Jefferson, Ohio, and the best personal loan in Logan, Ohio, or anywhere else in the state.

Get Your
Sample Quote

NOTE: Quotes assume a 60 month Personal Loan with bad credit. APR varies depending on credit score. 6 to 60 Months Terms Available.

Loan Amount:

Payment = ?
APR = ?

Our Loan Services

Car Title Loans

America’s Loan Company can also help if you need a car title loan for up to $10,000. Get started today!


Personal Loans

We offer safe and hassle-free access to personal loans, $100 to $3000 with affordable installment payments. Three quick and easy steps!



Getting a refinancing of your title loan at America’s Loan Company is easy. We offer title loans with lower payments.


We Provide Bad Credit Loans in Ohio to Fit Your Budget

Our aim is to deliver affordable 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

Choose the Best —

Why Choose American Loan Company For Your Bad Credit Loans in Ohio?

Walk-ins are welcome to any of our branches to apply for a personal loan in West Jefferson, Ohio, and to apply for a personal loan in Logan, Ohio.

However, we can process your loan remotely, without you needing to visit our offices. Funds can be direct deposited to your bank the same day that the contract is signed if received by noon. That means we can process your personal loan in Columbus, or from anywhere else in the state. You don’t need to be local to our offices for us to help.

Unlike the typical payday loan or car title loan, our fast and easy bad credit loans in Ohio carry lower fees, and we don’t charge early payoff penalties. We are committed to helping you build your credit and get you money when you need it. Getting a bad credit loan in Ohio should be easy and fair, and we’re here to make it that way.

Applying Will Not Affect Your Credit Score*

  • No Payments For 40 Days – First 10 days interest FREE – Use promo 40DAYS
  • 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.

Client Testimonials

Loans Approved
In Loans Disbursed
A Trusted Lender Since

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 40 days”: Use promo code 40DAYS.  Interest will not accrue for up to the first 10 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.

01 Jul: Flourish Financially by Nurturing Money Wellness

The significance of nurturing a healthy relationship with money cannot be overstated. It profoundly impacts your well-being and financial stability….

06 Jun: Advantages and Disadvantages of Personal Loans vs Payday Loans

Understanding Personal Loans Personal loans are a versatile financial product that individuals can use for a variety of purposes, ranging…

04 May: Essential Strategies for New Independents

Venturing out on your own for the first time is an exhilarating step toward independence. To navigate this new chapter…