Title Loan Data for Dayton, OH
$4,011
Average Loan Amount
$2,000–$14,271
Loan Range
2012
Average Vehicle Year
10
Loans Funded
Based on 10 loans in Dayton 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 Dayton, OH
Actual loan amounts vary based on vehicle condition, mileage, and Ohio regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2019 | Ram | 3500 ProMaster Vans | 151,000 | $4,521 |
| 2023 | INFINITI | QX55 | 31,000 | $14,271 |
| 2012 | Toyota | Tacoma | 165,000 | $5,033 |
| 2012 | Jeep | Grand Cherokee | 108,664 | $2,000 |
| 2017 | Kia | Sportage | 130,000 | $4,004 |
| 2014 | INFINITI | QX80 | 147,000 | $3,000 |
| 2015 | Jeep | Cherokee | 183,094 | $2,000 |
| 2015 | Chevrolet | Equinox | 103,000 | $2,000 |
| 2007 | Chevrolet | Tahoe | 169,000 | $2,400 |
| 1996 | Ford | Bronco 4WD 2D | 274,000 | $2,000 |
Average Title Loan by Most Common Vehicles in Dayton, OH
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| INFINITI | $18,663 | $8,636 | 2 |
| Chevrolet | $4,350 | $2,200 | 2 |
| Jeep | $4,875 | $2,000 | 2 |
| Kia | $6,125 | $4,004 | 1 |
| Toyota | $10,100 | $5,033 | 1 |
Based on 10 loans in Dayton 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? Dayton by the Numbers
What Dayton Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Emergency Medical Bills |
| 3 | Groceries and Household Essentials |
Based on 10 borrowers in Dayton from 2024–2025.
Unemployment Rate in Dayton, Ohio
9.0% of Dayton 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 Dayton, Ohio
The median household income in Dayton is $45,247. About 26.9% 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 to 1321.702
See all Ohio title loan rules and consumer protections on our Ohio title loans page.
Title Loan Questions for Dayton, OH Residents
A missed payment puts your car at risk, as it serves as collateral. Ohio law permits a late fee of 5% of the missed payment or 0 (whichever is greater) for payments more than 10 days late. Continued non-payment can lead to repossession under ORC § 1309.609. You generally have 20 days from repossession (or 15 days from the lender’s notice) to pay and get your car back. The best step you can take is to contact your lender before you miss a payment. Reaching out early gives both sides the chance to work out a better solution.
Yes, your car stays in your possession for the entire loan term. A lien is recorded with the Ohio BMV, but you continue driving normally. You keep your keys and full use of your vehicle while you repay the loan.
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.
