Personal loans in Broadview Heights, OH

From the 2020 Census base to the 2023 estimate, the population declined by about 1.5%. Broadview Heights, Ohio — home to about 19,634 people — is a small town, so the terms you are offered follow Ohio law rather than any local rule. With 19,634 residents, Broadview Heights outranks about 90% of the communities in Ohio. The next larger city is North Royalton, OH about 4 miles away. Consumer lending that reaches Broadview Heights's 19,634 residents is governed by Ohio statute; no city ordinance changes it. Pull your credit reports and line up at least three offers before you apply from Broadview Heights.

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

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Broadview Heights: population, trend and location

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

Population: a Census-estimated 19,634, 90th among Ohio's 924 places (Vintage 2023).
Population trend: Lower by roughly 1.5% since the 2020 count.
People gained or lost: about 297 fewer since the 2020 base.
Size percentile: roughly 90% of Ohio places rank below Broadview Heights.
Land and density: 13.0 square miles of land carry roughly 1,506 residents per square mile.
Land area: Broadview Heights covers 13.0 square miles, the 66th-largest area among Ohio's 924 places.
Water area: Broadview Heights has 0.02 square miles of water, ranking 310th of 924 places in Ohio.
State share: roughly 0.3% of Ohio's residents live in Broadview Heights (19,634 people).
National standing: Broadview Heights ranks 1,912th of 19,457 US places.
Growth rank: Broadview Heights's 2020-to-2023 change ranks 606th of 924 places in Ohio.
Against the state trend: Broadview Heights's 1.5% change compares with a Ohio average of +0.9% across its 924 places.
Density rank: Broadview Heights is the 354th most densely settled place in Ohio.
Density in context: Broadview Heights's 1,506 people per square mile sit against a Ohio median of 1,289.
Location: 41.3182 / -81.6793, per the US Census Bureau Gazetteer.
Nearest larger cities: North Royalton (4 mi); Parma (5 mi); Parma Heights (6 mi); Strongsville (8 mi); Garfield Heights (8 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller communities within reach: Brecksville (3 mi); Seven Hills (4 mi); Independence (5 mi).
Smaller places within 50 miles: 153 of them.
Larger places within 100 miles: 52.

Which Ohio laws govern a loan in Broadview Heights

Ohio has no separate rate rule for Broadview Heights; the sourced rows below are what reach every lender that serves its 19,634 people.

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
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 status	Legal 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 lenders reach Broadview Heights

With about 1,506 residents per square mile, Broadview Heights is moderately settled, and 40 larger Census places sit within 50 miles. Lenders licensed in Ohio reach Broadview Heights's 19,634 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is North Royalton, OH about 4 miles away.

Broadview Heights against the rest of Ohio

Within Ohio, Broadview Heights holds roughly 0.3% of all residents, the 90th-largest share among 924 places. Its 2020-to-2023 change ranks 606th of 924 Ohio places, putting it near the 34th percentile for growth. At about 1,506 people per square mile, Broadview Heights is the 354th most densely settled place in Ohio. The population moved by about 297 people between 2020 and 2023, a 1.5% shift.

Broadview Heights: area, density and distance

Broadview Heights's land area is about 13.0 square miles; a further 0.02 square miles is water. Spread across it are roughly 1,506 residents per square mile. For the state's biggest city, Columbus, the distance is roughly 115 miles. A 50-mile radius around Broadview Heights takes in 40 places that are larger. Within the same 50 miles lie 153 smaller Census places.

Before you apply in Broadview Heights

A sensible order of operations for a loan in Broadview Heights, home to about 19,634 people:

Start with the credit file: order the reports, fix the errors, then apply.
Test your amount and term in the personal loan calculator first.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Check the Ohio regulator's records to confirm the lender is licensed here.
Borrow only what the purpose requires, not the maximum you are offered.
Write down the purpose of the loan and your repayment plan before you apply.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

The process is identical across Ohio; what changes is your credit file, not the fact that Broadview Heights holds 19,634 people.

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Common questions

What are my options in Broadview Heights 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 Broadview Heights is the same as anywhere in Ohio.

What loan size can I expect in Broadview Heights?

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 Broadview Heights?

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 Broadview Heights 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

Brecksville, OH — population 13,850
Seven Hills, OH — population 11,499
North Royalton, OH — population 30,687
Independence, OH — population 7,481
Parma, OH — population 78,951
Richfield, OH — population 3,704
Valley View, OH — population 1,849
Brooklyn Heights, OH — population 1,476