Title Loan Data for Fairfield, OH, OH
$4,004
Average Loan Amount
$500–$20,000
Loan Range
2015
Average Vehicle Year
527
Loans Funded
Based on 527 loans in Fairfield, OH 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 Fairfield, OH, 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 Fairfield, OH, 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 Fairfield, OH from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Ohio regulations.
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 Fairfield, OH, OH Residents
Title loan rates are higher than most other borrowing options. Ohio’s CILA caps interest at 25% APR under ORC § 1321.68, and origination fees add to the total cost. Even at the capped rate, a title loan is more expensive than a personal loan from a bank or credit union. Understanding the full cost before signing is essential.
The full application process can be handled online from Fairfield, OH. You provide your vehicle details, upload your title and required documents, and complete the process through a secure portal from home. No need to leave the house. Funding is generally disbursed electronically to your account.
You will need to obtain a replacement Ohio title before the loan can proceed. To get a duplicate, submit Form BMV 3774 (Application for Certificate of Title) to the Ohio BMV along with the required fee. Replacement titles can be processed at your local BMV title office or through the Ohio BMV at bmv.ohio.gov.
Yes, you can get a title loan in Fairfield, OH with bad credit. Ohio title loans under CILA are specifically designed for borrowers with poor or limited credit. Approval is based primarily on your vehicle’s value and your ability to repay under ORC § 1321.62, not your credit score. A low score alone does not disqualify you.
Yes, you can pay off early without penalty. Ohio’s Consumer Installment Loan Act allows prepayment at any time. Paying your loan off before the scheduled end date reduces the interest that accrues and lowers your total repayment amount.
Yes. Title loans often come with high costs. In Ohio, a $1,000 loan costs about $21 per month in interest (25% APR), plus a one-time fee of $15 to $200, depending on your loan amount. You should treat this as a short-term option and plan to repay it on time.
Example:
If you borrow $1,000 in Fairfield, OH, you may pay about $21 per month in interest, plus a one-time fee of $15 to $200 when you receive the loan.
No credit check is required for pre-approval or a free estimate. Approval is based primarily on your vehicle’s value and your ability to repay.
Some form of income documentation is required. Repayment ability must be assessed under Ohio’s CILA. Accepted documents vary but commonly include bank statements, benefit award letters, pension statements, or other records showing regular incoming funds.
