Personal loans in Berea, OH

By population, Berea sits at 101st in Ohio, with an estimated 17,922 residents. Borrowers who want a bigger city can look to Brook Park, OH about 3 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Berea's 17,922 residents. Verify the lender's Ohio licence against the regulator named below before borrowing in Berea.

Berea by the numbers

What follows is Berea's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

• Population: a Census-estimated 17,922, 101st among Ohio's 924 places (Vintage 2023).
• Population trend: Roughly 3.3% fewer residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a loss of about 606 residents.
• Size percentile: about 89% of Ohio's Census places are smaller than Berea.
• Density: the Census land area of 5.7 sq mi holds about 3,155 people per square mile.
• Land area rank: Berea's 5.7 square miles rank 177th of 924 places in Ohio.
• Water area: Berea has 0.11 square miles of water, ranking 127th of 924 places in Ohio.
• Share of state population: Berea's 17,922 residents are about 0.2% of Ohio.
• National rank: Berea sits 2,073rd by population among the 19,457 places in this dataset.
• Growth in Ohio: Berea stands 902nd by percentage change from 2020 to 2023, among 924 places.
• State comparison: Ohio's places average +0.9% for 2020-to-2023, against Berea's 3.3%.
• Density rank: Berea is the 52nd most densely settled place in Ohio.
• Density vs Ohio: Berea's 3,155 people per square mile compare with a state median of 1,289.
• Location: coordinates 41.3705, -81.8618 (US Census Bureau Gazetteer).
• Nearest larger cities: Brook Park (3 mi); North Olmsted (4 mi); Strongsville (4 mi); Parma Heights (5 mi); Westlake (7 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller towns nearby: Olmsted Falls (2 mi); Middleburg Heights (3 mi); Fairview Park (5 mi).
• Smaller neighbours: 141 places smaller than Berea sit within 50 miles.
• At 100 miles: 79 larger Census places fall inside that radius.

Berea on the map

Inside Berea's boundaries lie roughly 5.7 square miles of land and 0.11 square miles of water. With 17,922 residents, the land area yields roughly 3,155 people per square mile. Columbus, the largest place in Ohio, is about 112 miles from Berea. A 50-mile radius around Berea takes in 45 places that are larger. By land area it ranks 177th of 924 Ohio places.

How Ohio law applies in Berea

Ohio has no separate rate rule for Berea; the sourced rows below are what reach every lender that serves its 17,922 people.

What a Berea borrower is actually offered

Most loans made to Berea's 17,922 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Berea. Shortening the term on a Berea loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Before you apply in Berea

Complete these steps first when you borrow in Berea (17,922 residents):

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the lender holds a Ohio licence by checking the regulator named above.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
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.

None of these steps is Berea-specific: the same Ohio licensing and disclosure rules reach all 17,922 residents.

Where Berea sits in Ohio

Among Ohio's 924 places, Berea sits at 101st for population, a share of roughly 0.2% of the state. Its 2020-to-2023 change ranks 902nd of 924 Ohio places, putting it near the 2th percentile for growth. By density, at about 3,155 people per square mile, it ranks 52nd in Ohio. The population moved by about 606 people between 2020 and 2023, a 3.3% shift.