Apply Online for $100–$3,000, Even With Less-Than-Perfect Credit
– Apply For A Personal Loan in Dayton Online –
– No Payments For 45 Days With 15 Days Interest FREE – Use Promo 45DAYS –
Need money for a car repair, a medical bill or rent in Dayton? America’s Loan Company is a licensed Ohio direct lender that has made personal installment loans to Ohioans with poor credit since 2004. We don’t have a branch in Dayton, so the whole process is online: you apply, sign and get your funds without leaving home.
Who Qualifies for a Dayton Personal Loan?
Your credit score matters, but it isn’t the only thing we look at. We also consider how long you’ve been at your job, your income after bills, and your debt-to-income ratio. That’s why many Dayton borrowers with past credit problems are approved with us after a bank or credit union said no.
How to Get a Personal Loan in Dayton
- Apply online in minutes. We only run a soft credit inquiry, which doesn’t affect your credit score.
- Review your offer and sign online. You’ll see your payment, term and APR before you sign.
- Get your money. Sign your contract by 2:30 PM and the funds are direct-deposited to your bank the same day.
To apply, you’ll need:
- A completed loan application
- Your most recent pay stub or other proof of income
- Your two most recent bank statements
If you’re approved, we’ll also need:
- A photo ID
- Your Social Security card
- A utility bill from the last 30 days showing your name and address
Bad Credit Loans in Dayton – What You Get
A low credit score shouldn’t keep you from the money you need. Most of our customers have scores between 500 and 650, and many were turned down elsewhere first. Our bad credit loans in Dayton include:
- Loan amounts from $100 to $3,000
- Terms from 6 months to 5 years, with fixed monthly payments
- Enjoy annual percentage rates (APRs) as low as 13%, based on your credit profile
- No early repayment penalties
- Credit building: we report your on-time payments to TransUnion
- Funds by direct deposit the same day you sign your contract
Apply online in minutes. We only run a soft credit inquiry, so applying won’t affect your credit score.
Our Loan Services In Dayton
America’s Loan Company provides car title loans up to $10,000. Get started today!
We offer simple and secure access to personal loans from $100 to $3000 with affordable installment payments. Three quick and easy steps!
Refinancing your title loan and payday loan for lower payments at America’s Loan Company is easy. Apply today!
Why Dayton Borrowers Trust America’s Loan Company
- Licensed in Ohio. We’re licensed by the Ohio Division of Financial Institutions.
- In business since 2004. More than 20 years of lending to Ohio families.
- A+ rated by the Better Business Bureau.
- Real people to talk to. Call 1-877-380-2639 with questions before or after you apply.
A Better Alternative to Payday Loans in Dayton
Payday loans are usually due in one lump sum on your next payday. That can leave you short again and borrowing again. Our personal installment loans work differently:
| Typical payday loan | Our installment loan | |
|---|---|---|
| Repayment | One lump sum, usually within weeks | Fixed monthly payments over 6 months to 5 years |
| Loan amount | Usually a few hundred dollars | $100 to $3,000 |
| Builds credit | Usually not reported | On-time payments reported to TransUnion |
| Early payoff | Varies | No prepayment penalty |
If you’re stuck in a payday loan cycle, we may also be able to help you refinance into lower monthly payments.
Personal Loan FAQs for Dayton, Ohio
Can I get a bad credit loan in Dayton, Ohio?
Yes. America’s Loan Company makes personal loans to Dayton residents with less-than-perfect credit and has done so since 2004. You can apply, sign and receive your funds without visiting a branch.
What credit score do I need for a bad credit loan in Dayton?
Most of our customers have credit scores between 500 and 650. Your score isn’t the only factor. We also look at your time on the job, your income after bills and your debt-to-income ratio.
How much can I borrow?
Personal loans range from $100 to $3,000, with terms from 6 months to 5 years.
How fast can I get my money?
Sign your loan contract by 2:30 PM and the funds are direct-deposited to your bank that same day.
What are the interest rates for loans in Dayton, Ohio?
America’s Loan Company’s interest rates on loans vary, 10% to 25%, depending on credit score.
Will applying hurt my credit score?
No. We only run soft credit inquiries, which don’t affect your credit score.
Can I pay my loan off early?
Yes. There is no penalty for paying your loan off early.
Do you have a branch in Dayton?
No, but you don’t need one. Dayton residents apply, sign their contract and receive their funds entirely online.
Can I get a loan if I live in a Dayton suburb like Kettering, Huber Heights or Beavercreek?
Yes. We lend to residents across Ohio, including every Dayton-area suburb. Apply online, and if you’re approved we’ll direct-deposit the funds to your bank.
Serving Dayton and the Miami Valley
We lend to residents across Dayton and the surrounding area, including Kettering, Huber Heights, Beavercreek, Centerville, Fairborn, Miamisburg, Trotwood, Vandalia, Xenia and Englewood. Whether you live downtown, in the Oregon District or out near Wright-Patterson, the application is the same: online, secure and fast.
Common reasons Dayton customers borrow with us:
- Car repairs to keep getting to work
- Medical and dental bills
- Catching up on rent or utilities
- Consolidating high-cost debt
- Home repairs and appliance replacement
We also lend across Ohio, including Columbus, Cincinnati, Hamilton, Cleveland, Akron and Toledo.
Heading south on I-75? We also offer personal loans in Cincinnati for residents of Hamilton, Butler, Clermont and Warren counties.