Trusted provider of personal loans in Columbus, Ohio since 2004
We’ve helped thousands of local borrowers get approved for personal loans in Columbus, OH, even after being turned down by banks or credit card companies. Over the years, we’ve built strong relationships with communities across Short North, Clintonville, German Village, and beyond.
As a trusted direct lender with an A+ BBB rating, we know how important it is to deal with someone local—especially when money’s tight or time is short.
That’s why we make it easier to qualify, even if your credit isn’t perfect. If you’re searching for a bad credit loan in Columbus, Ohio, we’ll take more than just your score into account. We look at income, effort, and what you’re trying to move forward with, not just the numbers on paper.
Because a credit score alone shouldn’t disqualify you from getting help.
…it won’t affect your credit score!
If your credit history has made borrowing hard, we’re here to help. Our personal loans in Columbus are designed for real-life needs—like car repairs, bills, or emergencies—with terms that match your income.
✓ Quick to apply
✓ Fair terms
✓ No hidden catches
…it won’t affect your credit score!
What is a personal loan—and how does it work in Columbus?
A personal loan is a lump sum of money you borrow and repay over time in fixed monthly installments.
At America’s Loan Company, we offer personal loans in Columbus, Ohio from $100 to $3,000 with terms from 6 to 60 months.
These installment loans in Columbus, Ohio are often used for urgent expenses like car repairs, medical bills, or catching up on overdue payments.
Unlike payday loans, you’ll have time to repay and there are no surprise fees or early repayment penalties.
…it won’t affect your credit score!
How personal loans in Columbus, Ohio compare to other options
Not all short-term loans work the same way. Here’s how our installment loans in Columbus, Ohio stack up against payday and title loans:
| Loan type | Amount | Repayment | Credit needed | Risks |
| Personal loan | $100–$3,000 | Fixed monthly terms (6–60 months) | Low to average | Low – no penalties |
| Installment loan | $100–$3,000 | Similar to personal loans, longer terms | Low to average | Low |
| Payday loan | Up to $500 | Due on next payday | None | High fees, short time |
| Car title loan | Up to $10,000 | Depends on value of vehicle | None or low | Risk of losing car |
If you’re looking for predictable payments and more time to repay, our installment loans in Columbus, Ohio are a better alternative to high-cost payday or car title loans in Columbus.
What Ohioans are saying:
What can you use a loan for?
Life happens—and a bad credit loan in Columbus, Ohio can help cover the gaps. Our borrowers often use their loan for:
- Emergency car repairs
- Utility or medical bills
- Rent or moving costs
- Travel or family needs
- Debt consolidation
How to apply?
To start the process, you’ll need:
✔ Proof of income
✔ An active checking account
✔ Valid ID and Ohio residency
How personal loans in Columbus, Ohio work
01
Apply online
It takes just a few minutes to complete the form—and it won’t affect your credit score.
02
Get your offer
We’ll review your details and give you a decision, often the same day.
03
Sign your contract
If you’re approved, you can sign digitally from home—no office visit required.
04
Receive your funds
Loan contracts signed by 2:00 PM are funded the same day.
05
Start repaying
Make fixed monthly payments that work with your budget—over 6 to 60 months.
…it won’t affect your credit score!
FAQs
Will applying affect my credit score?
No. We use a soft credit check during the application process, so it won’t impact your score.
How much can I borrow?
Our personal loans in Columbus, Ohio range from $100 to $3,000, depending on your income and repayment ability.
Do you offer bad credit loans in Columbus, Ohio?
Yes. We regularly approve applicants with low credit scores or past defaults.
How quickly can I get the money?
If your loan contract is signed by 2:00 PM, funds will be direct deposited to your bank account the same day.
Do you offer title or debt-consolidation loans?
Yes. We offer car title loans in Columbus for up to $10,000, using your vehicle as collateral. We also help borrowers consolidate debt into one manageable monthly payment, even more helpful if you’re juggling payday loans or overdue bills. Both options come with transparent terms and no early repayment penalties.
Apply for a personal loan in Columbus, Ohio today
Use promo code 45DAYS for no payments for up to 45 days—and no interest for the first 15.