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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
State lending regulatorOhio 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 statusLegal 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Amberley if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Amberley is the same as anywhere in Ohio.
What loan size can I expect in Amberley?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Amberley?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Amberley cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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