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.
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.
- Population: a Census-estimated 14,073, 124th among Ohio's 924 places (Vintage 2023).
- Population trend: A loss of roughly 0.4% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 50 residents.
- Size percentile: about 87% of Ohio's Census places are smaller than Bellefontaine.
- Density: the Census land area of 10.1 sq mi holds about 1,390 people per square mile.
- Land area rank: Bellefontaine's 10.1 square miles rank 97th of 924 places in Ohio.
- Within Ohio: about 0.2% of the state's population lives in Bellefontaine.
- Nationally: Bellefontaine is the 2,469th-largest of 19,457 Census places in the dataset.
- Growth rank: Bellefontaine ranks 320th among Ohio's 924 places for the 2020-to-2023 change.
- Versus Ohio: the state average change is +0.9%, while Bellefontaine moved 0.4%.
- Density rank: Bellefontaine is the 412th most densely settled place in Ohio.
- Density vs Ohio: Bellefontaine's 1,390 people per square mile compare with a state median of 1,289.
- Location: it lies at 40.3627, -83.7630 in the Census Gazetteer.
- Nearest larger cities: Sidney (22 mi); Marysville (23 mi); Piqua (29 mi); Springfield (30 mi); Lima (32 mi). Larger metros often have more branches, but online lenders reach Bellefontaine on the same terms.
- Nearest smaller towns: Zanesfield (5 mi); Valley Hi (6 mi); Huntsville (6 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 153 of them.
- Larger places within 100 miles: 70.
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.
| 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 |
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.
Common questions
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Nearby places
- Zanesfield, OH — population 189
- Huntsville, OH — population 407
- Valley Hi, OH — population 230
- West Liberty, OH — population 1,756
- Rushsylvania, OH — population 493
- Belle Center, OH — population 805
- De Graff, OH — population 1,251
- Russells Point, OH — population 1,323