Personal loans in Brook Park, OH
In Brook Park, one of 924 Census places in Ohio, the figure to compare across lenders is the APR, not the advertised rate. By population, Brook Park sits at 100th in Ohio, with an estimated 18,063 residents. The nearest larger metro is Parma Heights, OH about 3 miles away. Population in Brook Park dropped about 2.9% over the three years from 2020 to 2023. Every figure below is Ohio's own, applied to Brook Park's 18,063 residents, with the publisher and retrieval date attached. Begin with the payment, then weigh APR and total interest across the lenders that reach Brook Park's 18,063 residents.
Borrowing in Brook Park: the local picture
What follows is Brook Park's place in the Census record, alongside the Ohio rules that govern a personal loan made here.
- Population: a Census-estimated 18,063, 100th among Ohio's 924 places (Vintage 2023).
- Population trend: A drop of about 2.9% from 2020 to 2023.
- Net change: roughly 536 fewer people than the 2020 Census counted.
- Size percentile: roughly 89% of Ohio's places have fewer residents than Brook Park's 18,063.
- Land and density: 7.5 square miles of land carry roughly 2,404 residents per square mile.
- By land area: Brook Park ranks 142nd among Ohio's 924 places, at 7.5 sq mi.
- Within Ohio: about 0.2% of the state's population lives in Brook Park.
- National standing: Brook Park ranks 2,055th of 19,457 US places.
- Growth in Ohio: Brook Park stands 863rd by percentage change from 2020 to 2023, among 924 places.
- Against the state trend: Brook Park's 2.9% change compares with a Ohio average of +0.9% across its 924 places.
- Density in Ohio: Brook Park ranks 126th by people per square mile.
- Density vs Ohio: Brook Park's 2,404 people per square mile compare with a state median of 1,289.
- Location: 41.4043 / -81.8203, per the US Census Bureau Gazetteer.
- Nearest larger cities: Parma Heights (3 mi); Parma (5 mi); Rocky River (5 mi); North Olmsted (5 mi); Lakewood (6 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Middleburg Heights (2 mi); Fairview Park (3 mi); Berea (3 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 136 smaller Census places.
- Larger places within 100 miles: 76.
How Brook Park compares across Ohio
Within Ohio, Brook Park holds roughly 0.2% of all residents, the 100th-largest share among 924 places. On the 2020-to-2023 trend, Brook Park stands 863rd among Ohio's 924 places — roughly the 7th percentile. Its roughly 2,404 residents per square mile place it 126th among Ohio's places. Within 50 miles sit 136 smaller Census places, alongside the 44 that are larger.
A pre-application checklist for Brook Park
A sensible order of operations for a loan in Brook Park, home to about 18,063 people:
- Pull your credit reports first and correct any error before a lender sees the file.
- Use the loan calculator to test the payment on your intended amount and term.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the Ohio licence with the regulator named above before committing.
- Borrow only what the purpose requires, not the maximum you are offered.
- Be clear on what the loan is for and how it gets repaid.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
In Brook Park as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 18,063 residents.
Borrowing reach in Brook Park
At roughly 2,404 people per square mile, Brook Park is fairly dense; 44 larger places lie within 50 miles. Distance to a branch rarely matters for Brook Park's 18,063 residents: the application is online and the price follows your credit file. The nearest bigger place is Parma Heights, OH about 3 miles away.
What Ohio law requires in Brook Park
Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Brook Park lender must follow.
| 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 |
Where Brook Park sits
The Census Gazetteer records about 7.5 square miles of land within Brook Park, with no significant water area listed. That land carries about 2,404 people per square mile. The state's population centre of gravity, Columbus, is roughly 116 miles away. Counting outward 50 miles, 44 larger communities surround Brook Park. By land area it ranks 142nd of 924 Ohio places.
Common questions
What are my options in Brook Park if my credit is poor?
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Does comparing loans in Brook Park cost me credit score points?
Nearby places
- Middleburg Heights, OH — population 15,597
- Fairview Park, OH — population 16,785
- Berea, OH — population 17,922
- Parma Heights, OH — population 20,431
- Linndale, OH — population 110
- Rocky River, OH — population 21,236
- Brooklyn, OH — population 11,022
- Lakewood, OH — population 49,337