Personal loans in Barnesville, OH
Barnesville counts about 3,908 people, and what is genuinely local about borrowing here is limited — Ohio law does the governing. With an estimated 3,908 residents, Barnesville is the 284th-largest of 924 places in Ohio.
The next larger city is St. Clairsville, OH about 16 miles away. Barnesville lost roughly 2.6% of its population across the 2020-to-2023 comparison. Consumer lending that reaches Barnesville's 3,908 residents is governed by Ohio statute; no city ordinance changes it. Begin with the payment, then weigh APR and total interest across the lenders that reach Barnesville's 3,908 residents.
The Barnesville data picture
Two layers matter for a Barnesville borrower: the local population picture and Ohio's consumer-lending statutes.
- Population: 3,908 people, a figure that places Barnesville 284th among the 924 Census places in Ohio (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 2.6% since the 2020 count.
- Net change: roughly 104 fewer people than the 2020 Census counted.
- Size percentile: Barnesville sits ahead of around 69% of Ohio places, at 3,908 people.
- Land and density: 2.0 square miles of land carry roughly 1,906 residents per square mile.
- By land area: Barnesville ranks 362nd among Ohio's 924 places, at 2.0 sq mi.
- Water: Barnesville holds about 0.03 square miles, the 280th-largest water area in Ohio.
- Share of state population: Barnesville's 3,908 residents are about 0.1% of Ohio.
- National standing: Barnesville ranks 5,500th of 19,457 US places.
- Growth rank: Barnesville ranks 830th among Ohio's 924 places for the 2020-to-2023 change.
- Against the state trend: Barnesville's 2.6% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: Barnesville is the 231st most densely settled place in Ohio.
- Density vs Ohio: Barnesville's 1,906 people per square mile compare with a state median of 1,289.
- Location: 39.9901, -81.1725 (Census Gazetteer coordinates).
- Nearest larger cities: St. Clairsville (16 mi); Cambridge (22 mi); Moundsville (23 mi); Martins Ferry (25 mi); Wheeling (26 mi). Living near a larger metro rarely changes what is available in Barnesville.
- Nearest smaller towns: Bethesda (6 mi); Fairview (6 mi); Quaker City (7 mi).
- Smaller neighbours: 134 places smaller than Barnesville sit within 50 miles.
- Within 100 miles: 185 places are larger than Barnesville.
Inside a Barnesville personal loan
A Barnesville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 3,908 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Barnesville. Because the payment is fixed, the total cost of a Barnesville loan is knowable in advance — unlike a revolving card balance.
Barnesville: area, density and distance
Barnesville covers about 2.0 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,906 people per square mile. For the state's biggest city, Columbus, the distance is roughly 96 miles. A 50-mile radius around Barnesville takes in 16 places that are larger. By land area it ranks 362nd of 924 Ohio places.
What Ohio law requires in Barnesville
The rows below set out what a licensed lender must follow in Ohio, and so for Barnesville's roughly 3,908 residents.
| 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 |
Barnesville in state context
Within Ohio, Barnesville holds roughly 0.1% of all residents, the 284th-largest share among 924 places. On the 2020-to-2023 trend, Barnesville stands 830th among Ohio's 924 places — roughly the 10th percentile. Its roughly 1,906 residents per square mile place it 231st among Ohio's places. By land area, its 2.0 square miles rank 362nd of 924 places in Ohio.
Borrowing reach in Barnesville
Barnesville is moderately settled, with about 1,906 people per square mile and 16 larger places within 50 miles. Lenders licensed in Ohio reach Barnesville's 3,908 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is St. Clairsville, OH about 16 miles away.
Common questions
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Nearby places
- Fairview, OH — population 69
- Bethesda, OH — population 1,183
- Morristown, OH — population 240
- Quaker City, OH — population 379
- Batesville, OH — population 100
- Belmont, OH — population 404
- Jerusalem, OH — population 122
- Miltonsburg, OH — population 38