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Personal loans in Beverly, OH

For the 1,209 people in Beverly, Ohio runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Beverly is a small community of about 1,209 residents, and a personal loan taken out here is governed by Ohio statute. Beverly is one of 924 Census places in Ohio; its 1,209 residents put it at 490th. Beverly lost roughly 1.7% of its population across the 2020-to-2023 comparison. If debt is already a strain, a nonprofit credit counsellor can help Beverly residents before they take on more. The closest larger city is McConnelsville, OH about 13 miles away.

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.

Beverly: the sourced local profile

Most of what governs a Beverly loan is written in Ohio law rather than in the city; the sourced notes below make that split concrete.

Getting a loan in Beverly

Beverly is moderately settled, with about 1,773 people per square mile and 36 larger places within 50 miles. A Ohio licence lets a lender serve Beverly without a local office, so branch density does not change what its 1,209 residents are offered. The nearest bigger place is McConnelsville, OH about 13 miles away.

A practical checklist for Beverly borrowers

Before you hand your details to a lender in Beverly, where the population is near 1,209:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  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. Write down the purpose of the loan and your repayment plan before you apply.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is Beverly-specific: the same Ohio licensing and disclosure rules reach all 1,209 residents.

What Ohio law requires in Beverly

Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Beverly lender must follow.

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

Where Beverly sits

Inside Beverly's boundaries lie roughly 0.7 square miles of land and 0.11 square miles of water. The resulting density is about 1,773 people per square mile. Columbus, the largest place in Ohio, is about 78 miles from Beverly. Within 50 miles of Beverly there are 36 larger Census places. By land area it ranks 612th of 924 Ohio places.

Beverly's place among Ohio's 924 places

Set beside Ohio's 924 places, Beverly ranks 490th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 661st of 924 Ohio places, putting it near the 28th percentile for growth. Its roughly 1,773 residents per square mile place it 261st among Ohio's places. Between 2020 and 2023 the count changed by roughly 21 residents.

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

Nearby places

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