Personal loans in Bellefontaine, OH

If you are weighing a personal loan in Bellefontaine, start from the payment you can carry; its 14,073 residents face the same statewide rules. By population, Bellefontaine sits at 124th in Ohio, with an estimated 14,073 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.

A 2020-to-2023 comparison shows Bellefontaine down by about 0.4%. Lenders active in Bellefontaine report to a Ohio supervisor, identified in the sourced rows below. Read the disclosure for an origination fee and any prepayment penalty before signing in Bellefontaine. A larger market lies at Sidney, OH about 22 miles away.

What the Census records for Bellefontaine

Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.

Bellefontaine's place among Ohio's 924 places

Set beside Ohio's 924 places, Bellefontaine ranks 124th by population and holds about 0.2% of the state total. Its 2020-to-2023 change ranks 320th of 924 Ohio places, putting it near the 65th percentile for growth. Its roughly 1,390 residents per square mile place it 412th among Ohio's places. Within 50 miles sit 153 smaller Census places, alongside the 25 that are larger.

How lenders reach Bellefontaine

Bellefontaine is a moderately settled community of about 14,073 people, with 25 larger places inside a 50-mile radius. Whether Bellefontaine has a local branch or not, a Ohio-licensed lender can serve its 14,073 people online on the same terms. The nearest bigger place is Sidney, OH about 22 miles away.

What Ohio law requires in Bellefontaine

Read the table as a lender's compliance picture for Bellefontaine: the rule, the sourced figure, the publisher and the date.

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 a Bellefontaine borrower is actually offered

Bellefontaine is a small town of about 14,073 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Bellefontaine's rank of 124th in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Bellefontaine loan but raises total interest, so the smallest payment is not the cheapest loan.

Bellefontaine on the map

Bellefontaine covers about 10.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 14,073 residents, the land area yields roughly 1,390 people per square mile. The largest place in Ohio, Columbus, lies about 49 miles away. A 50-mile radius around Bellefontaine takes in 25 places that are larger. The 100-mile radius contains 70 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 Bellefontaine 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 Bellefontaine is the same as anywhere in Ohio.
What loan size can I expect in Bellefontaine?
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 Bellefontaine?
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 Bellefontaine 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.

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