Personal loans in Amberley, OH
Amberley is a small community in Ohio, with an estimated 3,805 residents, and every licensed lender here follows the same state rulebook. By population, Amberley sits at 289th in Ohio, with an estimated 3,805 residents.
The closest larger place is Reading, OH about 1 miles away. Census figures put the 2020-to-2023 decrease in Amberley at about 1.2%. State law, not city hall, decides what a lender may do to Amberley's roughly 3,805 residents, and a state regulator supervises it. Use the calculator on this page to price an amount and term before you commit in Amberley.
Amberley: population, trend and location
Most of what governs a Amberley loan is written in Ohio law rather than in the city; the sourced notes below make that split concrete.
- Population: 3,805 residents; Amberley is the 289th-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 1.2% between 2020 and 2023.
- Net change: roughly 46 fewer people than the 2020 Census counted.
- Size percentile: about 69% of Ohio's Census places are smaller than Amberley.
- Density: the Census land area of 3.5 sq mi holds about 1,092 people per square mile.
- By land area: Amberley ranks 269th among Ohio's 924 places, at 3.5 sq mi.
- Within Ohio: about 0.0% of the state's population lives in Amberley.
- National rank: Amberley sits 5,579th by population among the 19,457 places in this dataset.
- Growth in Ohio: Amberley stands 516th by percentage change from 2020 to 2023, among 924 places.
- Versus Ohio: the state average change is +0.9%, while Amberley moved 1.2%.
- Density rank: Amberley places 560th among Ohio's places by people per square mile.
- Density vs Ohio: Amberley's 1,092 people per square mile compare with a state median of 1,289.
- Location: the Census Gazetteer records it at 39.2035, -84.4283.
- Nearest larger cities: Reading (1 mi); Deer Park (2 mi); Silverton (2 mi); Madeira (3 mi); Norwood (3 mi). Larger metros often have more branches, but online lenders reach Amberley on the same terms.
- Smaller communities close by: Golf Manor (1 mi); Arlington Heights (2 mi); Lockland (2 mi), each with its own Census population profile.
- Smaller neighbours: 119 places smaller than Amberley sit within 50 miles.
- At 100 miles: 189 larger Census places fall inside that radius.
Where Amberley sits in Ohio
Against Ohio's other places, Amberley accounts for about 0.0% of the state's population and ranks 289th of 924 by size. For population change between 2020 and 2023, Amberley ranks 516th of 924 in Ohio (about the 44th percentile). At about 1,092 people per square mile, Amberley is the 560th most densely settled place in Ohio. Within 50 miles sit 119 smaller Census places, alongside the 88 that are larger.
How a Amberley personal loan is priced
With roughly 3,805 residents, Amberley is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Amberley lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Amberley loan is knowable in advance — unlike a revolving card balance.
Ohio rules behind a Amberley personal loan
These are Ohio's sourced lending facts as they reach Amberley's 3,805 residents; the state has no city-level rate rule.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Ohio Department of Commerce, Division of Financial Institutions (Consumer Finance Section). Source says: "The Consumer Finance Section is responsible for regulating non-depository consumer lenders and related consumer finance businesses." | Ohio Department of Commerce - Division of Financial Institutions as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 8% per annum maximum by written agreement for the general case; higher rates permitted only in specified cases (e.g., principal over $100,000, business loans, certain mortgages). Source says: "may stipulate therein for the payment of interest upon the amount thereof at any rate not exceeding eight per cent per annum payable annually" (Ohio Rev. Code 1343.01(A)). [codes.ohio.gov content retrieved via search-engine fetch of the official section; direct connections blocked from our network] | Ohio Laws (Ohio Revised Code - official state publication) as of 2026-09-16 |
| Payday lending status | Legal for licensed short-term lenders; interest capped at 28% per annum; total fees and charges capped at 60% of the originally contracted loan amount. Source says: "(A) Interest not exceeding a rate of twenty-eight per cent per annum" (Ohio Rev. Code 1321.40); total fees/charges capped at "a total amount of fees and charges that exceeds sixty per cent of the originally contracted loan amount" (1321.403). | Ohio Laws (Ohio Revised Code - official state publication) as of 2026-09-16 |
What is available to Amberley borrowers
At roughly 1,092 people per square mile, Amberley is moderately settled; 88 larger places lie within 50 miles. What is available to Amberley's 3,805 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Reading, OH about 1 miles away.
Land, water and location for Amberley
The Census Gazetteer records about 3.5 square miles of land within Amberley, with no significant water area listed. The resulting density is about 1,092 people per square mile. The state's population centre of gravity, Columbus, is roughly 94 miles away. A 50-mile radius around Amberley takes in 88 places that are larger. The 100-mile radius contains 189 larger places.
Common questions
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Nearby places
- Reading, OH — population 10,380
- Golf Manor, OH — population 3,754
- Arlington Heights, OH — population 810
- Deer Park, OH — population 5,336
- Silverton, OH — population 4,812
- Lockland, OH — population 3,464
- Evendale, OH — population 2,630
- Lincoln Heights, OH — population 3,101