Personal loans in Bainbridge, OH

Roughly 753 residents live in Bainbridge, the 581st-largest community in Ohio. The 2020 count to the 2023 estimate shows about 1.1% decline in Bainbridge.

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

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A lender serving Bainbridge holds a Ohio licence and answers to a Ohio regulator; no city office is involved for its 753 residents. Which products a lender may offer to Bainbridge's 753 residents follows from the Ohio consumer-lending framework. Price two or three terms so you can see which payment is truly affordable in Bainbridge. The nearest larger city is Greenfield, OH about 11 miles away.

Bainbridge: population, trend and location

What follows is Bainbridge's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

Population: 753 residents; Bainbridge is the 581st-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
Population trend: A loss of roughly 1.1% between 2020 and 2023.
Absolute change: 8 residents lost between 2020 and 2023.
Size percentile: bigger than about 37% of the places in Ohio, with 753 residents in Bainbridge.
Density: the Census land area of 0.5 sq mi holds about 1,479 people per square mile.
Land area: Bainbridge covers 0.5 square miles, the 685th-largest area among Ohio's 924 places.
Within Ohio: about 0.0% of the state's population lives in Bainbridge.
Nationally: Bainbridge is the 11,446th-largest of 19,457 Census places in the dataset.
Growth rank: Bainbridge ranks 479th among Ohio's 924 places for the 2020-to-2023 change.
Against the state trend: Bainbridge's 1.1% change compares with a Ohio average of +0.9% across its 924 places.
Density rank: Bainbridge places 366th among Ohio's places by people per square mile.
Against the state median: Bainbridge runs about 1,479 residents per square mile, where the Ohio median is 1,289.
Location: the Census Gazetteer records it at 39.2264, -83.2697.
Nearest larger cities: Greenfield (11 mi); Frankfort (13 mi); Chillicothe (17 mi); Waverly (17 mi); Leesburg (17 mi). Online lenders reach Bainbridge no matter how far the nearest branch is.
Nearest smaller places: South Salem (8 mi); Sinking Spring (12 mi); Highland (19 mi).
Smaller places within 50 miles: 45 of them.
At 100 miles: 340 larger Census places fall inside that radius.

The geography behind Bainbridge

Bainbridge covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 753 residents, the land area yields roughly 1,479 people per square mile. The largest place in Ohio, Columbus, lies about 54 miles away. Within 50 miles of Bainbridge there are 62 larger Census places. The 100-mile radius contains 340 larger places.

How a Bainbridge personal loan is priced

Most loans made to Bainbridge's 753 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Bainbridge loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Bainbridge decides the split between a comfortable payment and the total interest you pay.

A practical checklist for Bainbridge borrowers

Complete these steps first when you borrow in Bainbridge (753 residents):

Get your credit reports, dispute what is wrong, and only then start shopping.
Model the payment on the calculator before a lender models it for you.
Collect three or more offers and compare them on APR, not on the advertised rate.
Verify the lender's Ohio licence with the regulator listed on this page.
Weigh a shorter term's higher payment against the interest it saves.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Decide the purpose and how you will repay it before approaching any lender.

The process is identical across Ohio; what changes is your credit file, not the fact that Bainbridge holds 753 people.

Where Bainbridge sits in Ohio

Against Ohio's other places, Bainbridge accounts for about 0.0% of the state's population and ranks 581st of 924 by size. For population change between 2020 and 2023, Bainbridge ranks 479th of 924 in Ohio (about the 48th percentile). At about 1,479 people per square mile, Bainbridge is the 366th most densely settled place in Ohio. The population moved by about 8 people between 2020 and 2023, a 1.1% shift.

The state rulebook for Bainbridge

For the roughly 753 residents of Bainbridge, the rules below are Ohio's own; each row carries its publisher and retrieval date.

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

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Common questions

What are my options in Bainbridge 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 Bainbridge is the same as anywhere in Ohio.

What loan size can I expect in Bainbridge?

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 Bainbridge?

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 Bainbridge 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

South Salem, OH — population 212
Greenfield, OH — population 4,336
Sinking Spring, OH — population 121
Frankfort, OH — population 1,107
Chillicothe, OH — population 21,895
Clarksburg, OH — population 403
Waverly, OH — population 4,114
Rarden, OH — population 141