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Personal loans in Bethesda, OH

Census figures put the 2020-to-2023 decrease in Bethesda at about 2.2%. For a borrower among the roughly 1,183 residents of Bethesda, a personal loan is a tool whose cost turns on the terms, not the address. Bethesda ranks 499th of 924 places in Ohio, with a population near 1,183. The nearest larger metro is Barnesville, OH about 6 miles away. A single loan can carry different costs on either side of a state line, and Bethesda sits on the Ohio side of that line. Use the calculator on this page to price an amount and term before you commit in Bethesda.

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.

The Bethesda data picture

The figures below are Bethesda's own — Census population, land area and coordinates — followed by the Ohio rules.

Where Bethesda sits

Inside Bethesda's boundaries lie roughly 0.6 square miles of land and 0.02 square miles of water. Spread across it are roughly 1,896 residents per square mile. The largest place in Ohio, Columbus, lies about 101 miles away. Bethesda has 56 larger places within a 50-mile radius. The 100-mile radius contains 381 larger places.

Lender access in Bethesda

Bethesda is a moderately settled community of about 1,183 people, with 56 larger places inside a 50-mile radius. Lenders licensed in Ohio reach Bethesda's 1,183 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Barnesville, OH about 6 miles away.

How a Bethesda personal loan is priced

In Bethesda, a small community of about 1,183, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Bethesda's 1,183 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Bethesda loan is knowable in advance — unlike a revolving card balance.

Ohio rules behind a Bethesda personal loan

This table holds the Ohio rate and licensing rules for consumer loans made to Bethesda's 1,183 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

How Bethesda compares across Ohio

Bethesda is the 499th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. For population change between 2020 and 2023, Bethesda ranks 756th of 924 in Ohio (about the 18th percentile). At about 1,896 people per square mile, Bethesda is the 233rd most densely settled place in Ohio. By land area, its 0.6 square miles rank 635th 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 Bethesda 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 Bethesda is the same as anywhere in Ohio.
What loan size can I expect in Bethesda?
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 Bethesda?
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 Bethesda 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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