Personal loans in Butler, OH
Butler shed about 0.4% of its population between the 2020 base and the 2023 estimate. Butler, Ohio — home to about 938 people — is a small community, so the terms you are offered follow Ohio law rather than any local rule. By population, Butler sits at 541st in Ohio, with an estimated 938 residents. Borrowers who want a bigger city can look to Bellville, OH about 5 miles away. When Ohio caps or restricts a product, lenders either change the terms or withdraw it from Butler as from the rest of the state. Use the calculator on this page to price an amount and term before you commit in Butler.
What the Census records for Butler
What follows is Butler's place in the Census record, alongside the Ohio rules that govern a personal loan made here.
- Population: 938 residents; Butler is the 541st-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 0.4% since the 2020 count.
- Absolute change: 4 residents lost between 2020 and 2023.
- Size percentile: about 41% of Ohio's Census places are smaller than Butler.
- Density: the Census land area of 1.3 sq mi holds about 727 people per square mile.
- Land area: Butler covers 1.3 square miles, the 454th-largest area among Ohio's 924 places.
- Water area: Butler has 0.01 square miles of water, ranking 386th of 924 places in Ohio.
- Share of state population: Butler's 938 residents are about 0.0% of Ohio.
- National rank: Butler sits 10,506th by population among the 19,457 places in this dataset.
- Growth in Ohio: Butler stands 329th by percentage change from 2020 to 2023, among 924 places.
- Against the state trend: Butler's 0.4% change compares with a Ohio average of +0.9% across its 924 places.
- Density in Ohio: Butler ranks 725th by people per square mile.
- Density in context: Butler's 727 people per square mile sit against a Ohio median of 1,289.
- Location: 40.5902 / -82.4202, per the US Census Bureau Gazetteer.
- Nearest larger cities: Bellville (5 mi); Fredericktown (10 mi); Loudonville (10 mi); Lexington (10 mi); Danville (13 mi). Larger metros often have more branches, but online lenders reach Butler on the same terms.
- Smaller communities within reach: Perrysville (7 mi); Lucas (8 mi); Mifflin (13 mi).
- Smaller neighbours: 65 places smaller than Butler sit within 50 miles.
- At 100 miles: 380 larger Census places fall inside that radius.
Ohio consumer-lending rules applied in Butler
When Ohio does not publish a figure, the row links to the source instead of inventing a number; Butler is bound by the same rules.
| 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 |
The geography behind Butler
Butler covers about 1.3 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). That land carries about 727 people per square mile. The largest place in Ohio, Columbus, lies about 51 miles away. Butler has 86 larger places within a 50-mile radius. Within the same 50 miles lie 65 smaller Census places.
Inside a Butler personal loan
Most loans made to Butler's 938 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Butler's 938 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Butler loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
A practical checklist for Butler borrowers
For Butler's roughly 938 residents, these are the steps that most influence the offer:
- Start with the credit file: order the reports, fix the errors, then apply.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Verify the lender's Ohio licence with the regulator listed on this page.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Be clear on what the loan is for and how it gets repaid.
In Butler as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 938 residents.
Butler in state context
Set beside Ohio's 924 places, Butler ranks 541st by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Butler stands 329th among Ohio's 924 places — roughly the 64th percentile. Its roughly 727 residents per square mile place it 725th among Ohio's places. Between 2020 and 2023 the count changed by roughly 4 residents.
Common questions
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Does comparing loans in Butler cost me credit score points?
Nearby places
- Bellville, OH — population 1,986
- Lucas, OH — population 588
- Perrysville, OH — population 728
- Fredericktown, OH — population 2,619
- Lexington, OH — population 4,846
- Mifflin, OH — population 156
- Loudonville, OH — population 2,775
- Mansfield, OH — population 47,711