Personal loans in Barberton, OH

From the 2020 Census base to the 2023 estimate, the population declined by about 2.5%. The Census counts 24,563 people in Barberton, the 67th-largest figure among Ohio's 924 places.

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.

Two households in Barberton with comparable incomes can still be offered different rates; the city's 24,563 residents are not the reason. Judge Barberton offers on total cost, not on how quickly the money arrives. Consumer lending that reaches Barberton's 24,563 residents is governed by Ohio statute; no city ordinance changes it. The nearest larger city is Akron, OH about 7 miles away.

The Barberton data picture

Two layers matter for a Barberton borrower: the local population picture and Ohio's consumer-lending statutes.

Barberton in state context

Among Ohio's 924 places, Barberton sits at 67th for population, a share of roughly 0.3% of the state. Its 2020-to-2023 change ranks 805th of 924 Ohio places, putting it near the 13th percentile for growth. By density, at about 2,724 people per square mile, it ranks 84th in Ohio. Between 2020 and 2023 the count changed by roughly 617 residents.

How a Barberton personal loan is priced

A Barberton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 24,563 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Barberton. The term you choose in Barberton decides the split between a comfortable payment and the total interest you pay.

Ohio rules behind a Barberton personal loan

The rows below set out what a licensed lender must follow in Ohio, and so for Barberton's roughly 24,563 residents.

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
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
Small-loan / installment lender licensingConsumer finance licenses required for non-depository lenders, including Consumer Installment Loan Act lenders, General Loan Law lenders, short-term lenders, and small loan lenders.
Source says: "We issue and manage licenses for companies and individuals under multiple Ohio statutes." (page's regulated-statutes list names Consumer Installment Loan Act lenders, General Loan Law lenders, Short-term lenders, Small loan lenders).
Ohio Department of Commerce - Division of Financial Institutions
as of 2026-09-16

Before you apply in Barberton

Before you hand your details to a lender in Barberton, where the population is near 24,563:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the Ohio licence with the regulator named above before committing.
  5. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Weigh a shorter term's higher payment against the interest it saves.

The process is identical across Ohio; what changes is your credit file, not the fact that Barberton holds 24,563 people.

Getting a loan in Barberton

At roughly 2,724 people per square mile, Barberton is fairly dense; 29 larger places lie within 50 miles. A Ohio licence lets a lender serve Barberton without a local office, so branch density does not change what its 24,563 residents are offered. The nearest bigger place is Akron, OH about 7 miles away.

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 Barberton 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 Barberton is the same as anywhere in Ohio.
What loan size can I expect in Barberton?
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 Barberton?
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 Barberton 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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