Personal loans in Beallsville, OH
If you are considering a personal loan in Beallsville, Ohio, begin with the monthly payment you can carry and work backward. Beallsville is one of 924 Census places in Ohio; its 347 residents put it at 731st. A 2020-to-2023 comparison shows Beallsville down by about 1.7%. A single loan can carry different costs on either side of a state line, because each state sets its own lending rules. Decide the purpose of the loan and your repayment plan before sharing any details. The closest larger city is Woodsfield, OH about 7 miles away.
Borrowing in Beallsville: the local picture
Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.
- Population: the Census counts 347 residents in Beallsville (Vintage 2023 subcounty estimate), the 731st-largest figure among Ohio's 924 places.
- Population trend: A decline of about 1.7% across the 2020-to-2023 comparison.
- Size percentile: by population it outranks roughly 21% of the places in Ohio.
- Location: 39.8489, -81.0354 (Census Gazetteer coordinates).
- Nearest larger cities: Woodsfield (7 mi); Bethesda (12 mi); Powhatan Point (12 mi); Barnesville (12 mi); Belmont (12 mi). Lenders licensed in the state serve Beallsville whether or not they keep a local branch.
- Smaller communities within reach: Wilson (2 mi); Jerusalem (3 mi); Miltonsburg (7 mi).
What Ohio law requires in Beallsville
The rows below set out what a licensed lender must follow in Ohio, and so in Beallsville.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| Small-loan / installment lender licensing | Consumer 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 |
| 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 |
What a Beallsville personal loan looks like
A longer term lowers the monthly payment on a Beallsville loan but raises the total interest, so the smallest payment is not always the cheapest loan. Compare the APR rather than the interest rate, because origination fees and sometimes prepayment penalties are folded into it. Read the full disclosure before signing; the written terms are the ones that count.
A pre-application checklist for Beallsville
Before you hand your details to a lender in Beallsville:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the lender holds a Ohio licence by checking the regulator named above.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Common questions
What are my options in Beallsville 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 Beallsville is the same as anywhere in Ohio.
What loan size can I expect in Beallsville?
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 Beallsville?
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 Beallsville 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
- Wilson, OH — population 132
- Jerusalem, OH — population 122
- Woodsfield, OH — population 2,170
- Miltonsburg, OH — population 38
- Bethesda, OH — population 1,183
- Belmont, OH — population 404
- Clarington, OH — population 272
- Antioch, OH — population 74