Personal loans in Bucyrus, OH

Bucyrus is a small town of about 11,542 residents, and a personal loan taken out here is governed by Ohio statute. Compare APR, not the interest rate, because the APR folds in most fees on a Bucyrus loan.

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.

With an estimated 11,542 residents, Bucyrus is the 154th-largest of 924 places in Ohio. When Ohio caps or restricts a product, lenders either change the terms or withdraw it from Bucyrus as from the rest of the state. Population in Bucyrus dropped about 1.2% over the three years from 2020 to 2023. The nearest larger metro is Marion, OH about 16 miles away.

Borrowing in Bucyrus: the local picture

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

How Ohio law applies in Bucyrus

Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Bucyrus 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

How Bucyrus compares across Ohio

Among Ohio's 924 places, Bucyrus sits at 154th for population, a share of roughly 0.2% of the state. Its 2020-to-2023 change ranks 523rd of 924 Ohio places, putting it near the 43th percentile for growth. At about 1,562 people per square mile, Bucyrus is the 332nd most densely settled place in Ohio. In land area, Bucyrus ranks 144th among Ohio's 924 places.

Inside a Bucyrus personal loan

With roughly 11,542 residents, Bucyrus is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Bucyrus lender to disclose the APR and finance charge before you sign. Shortening the term on a Bucyrus loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The geography behind Bucyrus

The Census Gazetteer records 7.4 square miles of land and 0.01 square miles of water within Bucyrus. The resulting density is about 1,562 people per square mile. The largest place in Ohio, Columbus, lies about 57 miles away. Bucyrus has 16 larger places within a 50-mile radius. Within the same 50 miles lie 129 smaller Census places.

How lenders reach Bucyrus

At roughly 1,562 people per square mile, Bucyrus is moderately settled; 16 larger places lie within 50 miles. What is available to Bucyrus's 11,542 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Marion, OH about 16 miles away.

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