Personal loans in Bergholz, OH

Rate ceilings, licensing requirements and product limits for Bergholz are all set at the Ohio level. Roughly 529 residents live in Bergholz, the 656th-largest community in Ohio.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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 lender serving Bergholz holds a Ohio licence and answers to a Ohio regulator; no city office is involved for its 529 residents. From the 2020 Census base to the 2023 estimate, the population declined by about 2.4%. Judge Bergholz offers on total cost, not on how quickly the money arrives. The closest larger city is Salineville, OH about 7 miles away.

Bergholz by the numbers

Two layers matter for a Bergholz borrower: the local population picture and Ohio's consumer-lending statutes.

What to do before borrowing in Bergholz

For Bergholz's roughly 529 residents, these are the steps that most influence the offer:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the lender holds a Ohio licence by checking the regulator named above.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Test the payment against your current bills before you commit.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

What differs between Bergholz and the rest of Ohio is not the process but the borrower's own file, among the 529 people here.

How personal loans work in Bergholz

With roughly 529 residents, Bergholz is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Bergholz's 529 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Bergholz loan is knowable in advance — unlike a revolving card balance.

Bergholz: area, density and distance

Bergholz's land area is roughly 0.6 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 940 residents per square mile. The state's population centre of gravity, Columbus, is roughly 117 miles away. A 50-mile radius around Bergholz takes in 179 places that are larger. By land area it ranks 657th of 924 Ohio places.

What Ohio law requires in Bergholz

This table holds the Ohio rate and licensing rules for consumer loans made to Bergholz's 529 residents.

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

Bergholz's place among Ohio's 924 places

Set beside Ohio's 924 places, Bergholz ranks 656th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Bergholz ranks 792nd of 924 in Ohio (about the 14th percentile). By density, at about 940 people per square mile, it ranks 629th in Ohio. By land area, its 0.6 square miles rank 657th of 924 places in Ohio.

Compare personal loan offers Run the numbers first

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 Bergholz 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 Bergholz is the same as anywhere in Ohio.
What loan size can I expect in Bergholz?
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 Bergholz?
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 Bergholz 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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