Title Loan Data for Middletown, OH
$4,004
Average Loan Amount
$500–$20,000
Loan Range
2015
Average Vehicle Year
527
Loans Funded
Based on 527 loans in Middletown from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Ohio regulations.
Actual Title Loans Funded in Middletown, OH
Actual loan amounts vary based on vehicle condition, mileage, and Ohio regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2007 | Dodge | Ram 1500 | 150,000 | $2,778 |
| 2020 | Nissan | Rogue | 192,041 | $4,893 |
| 2018 | Ford | Fusion | 153,312 | $2,643 |
| 2010 | Ford | F150 | 188,000 | $1,983 |
| 2018 | Ford | Flex | 183,786 | $3,420 |
| 2012 | INFINITI | FX35 | 145,000 | $2,211 |
| 2014 | Chrysler | Town & Country | 190,112 | $2,286 |
| 2017 | Kia | Forte | 129,025 | $2,000 |
| 2018 | Honda | HR-V | 88,000 | $2,000 |
| 1991 | Ford | Pickup Reg Cab | 150,000 | $2,497 |
Average Title Loan by Most Common Vehicles in Middletown, OH
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Ford | $11,113 | $4,593 | 76 |
| Chevrolet | $11,727 | $3,628 | 74 |
| Honda | $10,474 | $4,011 | 54 |
| Toyota | $12,072 | $4,082 | 47 |
| Jeep | $11,591 | $3,788 | 36 |
Based on 527 loans in Middletown from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Ohio regulations.
Did You Know? Middletown by the Numbers
What Middletown Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Emergency Medical Bills |
| 3 | Groceries and Household Essentials |
Based on 527 borrowers in Middletown from 2024–2025.
Unemployment Rate in Middletown, Ohio
5.9% of Middletown residents are currently unemployed, compared to the Ohio state average of 4.6%.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
Median Household Income in Middletown, Ohio
The median household income in Middletown is $57,102. About 17.1% of residents live below the federal poverty line.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
Title Loan Regulations in Ohio
- Interest rate cap: 25% per year
- Loan range: $2,500 to $15,000 (typical; no state maximum)
- Repayment term: Minimum 6 months; no maximum; fixed monthly installments
- Regulated by: Ohio Department of Commerce – Division of Financial Institutions (DFI)
What a Title Loan Costs in Ohio
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $1,000 | 12 months | 25% | $141 | $1,141 |
| $2,500 | 24 months | 25% | $702 | $3,202 |
| $5,000 | 36 months | 25% | $2,157 | $7,157 |
These are interest-only examples and do not include origination fees. Lender must also charge an origination fee: $15-$200 depending on loan size, or $250 (or 1% of the loan, whichever greater) for loans $5,000+.
📖 Governing law: Consumer Installment Loan Act (CILA), Ohio Revised Code §§ 1321.62–1321.702
See all Ohio title loan rules and consumer protections on our Ohio title loans page.
Title Loan Questions for Middletown, OH Residents
Most pre-approvals take about 30 minutes. Funding may be available the same day if completed before 2 PM⁸.
Yes. You keep and drive your car throughout the entire loan term.
In many cases, an in-person inspection is not required. Online title loan applications often use vehicle photos for appraisal instead. You provide clear images of your car, your title, and your documentation, and the application is processed remotely.
Your personal information is protected with 256-bit SSL encryption throughout the online application process. All data submitted, including your title details, ID, and income documents, is transmitted securely. Ohio requires title lenders to be licensed under CILA and regulated by the DFI, adding an additional layer of consumer protection.
Yes, Ohio permits car title loans. They are governed by the Consumer Installment Loan Act (CILA), ORC §§ 1321.62 to 1321.702. The Ohio DFI licenses and oversees title lenders, enforcing rate caps under ORC § 1321.68 and other consumer protections.
Yes, you can lose your car if payments stop on a title loan. Ohio law (ORC § 1309.609) allows repossession after default. The lender must notify you before selling. You generally have 20 days from repossession (or 15 days from notice) to reclaim your vehicle. Any vehicle sale surplus above the loan balance belongs to you, but a deficiency may be owed if the sale falls short. The best course of action is to contact your lender before missing a payment. Early communication is your best opportunity to find a workable path forward.
The most common disqualifying factors for a title loan in Middletown are: a title held in someone else’s name, existing liens that eliminate available equity, no proof of any income source, not residing in Ohio, or a vehicle too damaged or old to support the requested loan amount.
For most Middletown applicants, starting online is the faster and more convenient option. You can upload your title, income documents, and vehicle photos and get a decision without scheduling a visit. Phone assistance is available if you have questions during the process.
