Personal loans in Bexley, OH
The trend for Bexley between 2020 and 2023 is downward by roughly 8.2%. Bexley is a small town in Ohio, with an estimated 12,785 residents, and every licensed lender here follows the same state rulebook. The Census counts 12,785 people in Bexley, the 145th-largest figure among Ohio's 924 places. The closest larger city is Whitehall, OH about 3 miles away. Rate ceilings, licensing requirements and product limits for Bexley are all set at the Ohio level. Compare APR, not the interest rate, because the APR folds in most fees on a Bexley loan.
Bexley: the sourced local profile
The figures below are Bexley's own — Census population, land area and coordinates — followed by the Ohio rules.
- Population: 12,785 — Bexley ranks 145th of 924 communities in Ohio (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 8.2% since the 2020 count.
- Net change: roughly 1,140 fewer people than the 2020 Census counted.
- Size percentile: roughly 84% of Ohio places rank below Bexley.
- Population density: about 5,281 people per square mile across 2.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Bexley covers 2.4 square miles, the 326th-largest area among Ohio's 924 places.
- Water: Bexley holds about 0.02 square miles, the 317th-largest water area in Ohio.
- Share of Ohio: Bexley holds about 0.2% of the state's population, some 12,785 people.
- National rank: Bexley is the 2,644th most populous of the 19,457 Census places covered here.
- Growth rank: Bexley ranks 923rd among Ohio's 924 places for the 2020-to-2023 change.
- Versus Ohio: the state average change is +0.9%, while Bexley moved 8.2%.
- Density rank: Bexley is the 12th most densely settled place in Ohio.
- Against the state median: Bexley runs about 5,281 residents per square mile, where the Ohio median is 1,289.
- Location: coordinates 39.9654, -82.9345 (US Census Bureau Gazetteer).
- Nearest larger cities: Whitehall (3 mi); Columbus (3 mi); Gahanna (6 mi); Reynoldsburg (8 mi); Upper Arlington (8 mi). Living near a larger metro rarely changes what is available in Bexley.
- Smaller places nearby: Grandview Heights (6 mi); Brice (6 mi); Marble Cliff (7 mi).
- Smaller neighbours: 122 places smaller than Bexley sit within 50 miles.
- At 100 miles: 74 larger Census places fall inside that radius.
Getting a loan in Bexley
Bexley is densely built, with about 5,281 people per square mile and 24 larger places within 50 miles. Distance to a branch rarely matters for Bexley's 12,785 residents: the application is online and the price follows your credit file. The nearest larger city, Whitehall, OH about 3 miles away.
What Ohio law requires in Bexley
The rows below set out what a licensed lender must follow in Ohio, and so for Bexley's roughly 12,785 residents.
| 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 |
| Small-loan / installment lender licensing | Consumer finance licenses required for non-depository lenders, including Consumer Installment Loan Act lenders, General Loan Law lenders, short-term lenders, and small loan lenders. Source says: "We issue and manage licenses for companies and individuals under multiple Ohio statutes." (page's regulated-statutes list names Consumer Installment Loan Act lenders, General Loan Law lenders, Short-term lenders, Small loan lenders). | 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 |
Steps to take before a Bexley loan
Before you apply in Bexley, a community of about 12,785, work through these steps:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Make sure the lender appears in the Ohio regulator's licence list.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Check that the monthly payment fits your budget next to your existing obligations.
- Weigh a shorter term's higher payment against the interest it saves.
The process is identical across Ohio; what changes is your credit file, not the fact that Bexley holds 12,785 people.
Where Bexley sits in Ohio
Among Ohio's 924 places, Bexley sits at 145th for population, a share of roughly 0.2% of the state. For population change between 2020 and 2023, Bexley ranks 923rd of 924 in Ohio (about the 0th percentile). Its roughly 5,281 residents per square mile place it 12th among Ohio's places. In land area, Bexley ranks 326th among Ohio's 924 places.
Bexley on the map
The Census Gazetteer records 2.4 square miles of land and 0.02 square miles of water within Bexley. Spread across it are roughly 5,281 residents per square mile. The state's population centre of gravity, Columbus, is roughly 3 miles away. Bexley has 24 larger places within a 50-mile radius. The 100-mile radius contains 74 larger places.
Common questions
What are my options in Bexley if my credit is poor?
What loan size can I expect in Bexley?
Do I have to pledge anything to borrow in Bexley?
Does comparing loans in Bexley cost me credit score points?
Nearby places
- Whitehall, OH — population 19,727
- Columbus, OH — population 913,175
- Gahanna, OH — population 35,159
- Obetz, OH — population 6,971
- Grandview Heights, OH — population 8,841
- Minerva Park, OH — population 1,944
- Brice, OH — population 91
- Groveport, OH — population 5,806