Personal loans in Cadiz, OH

Cadiz counts about 2,977 people, and what is genuinely local about borrowing here is limited — Ohio law does the governing. The Census estimates 2,977 residents in Cadiz, which ranks it 335th of 924 places in Ohio.

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.

From the 2020 Census base to the 2023 estimate, the population declined by about 2.7%. Judge Cadiz offers on total cost, not on how quickly the money arrives. For a bigger market, look to St. Clairsville, OH about 13 miles away. Rate ceilings, licensing requirements and product limits for Cadiz are all set at the Ohio level.

Borrowing in Cadiz: the local picture

Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.

Before you apply in Cadiz

A sensible order of operations for a loan in Cadiz, home to about 2,977 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the Ohio licence with the regulator named above before committing.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Check that the monthly payment fits your budget next to your existing obligations.

In Cadiz as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 2,977 residents.

Borrowing reach in Cadiz

Cadiz is a lightly settled community of about 2,977 people, with 48 larger places inside a 50-mile radius. Whether Cadiz has a local branch or not, a Ohio-licensed lender can serve its 2,977 people online on the same terms. The nearest larger city, St. Clairsville, OH about 13 miles away.

How Ohio law applies in Cadiz

This table holds the Ohio rate and licensing rules for consumer loans made to Cadiz's 2,977 residents.

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
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
Small-loan / installment lender licensingConsumer 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

Cadiz in state context

Among Ohio's 924 places, Cadiz sits at 335th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Cadiz ranks 841st of 924 in Ohio (about the 9th percentile). Its roughly 339 residents per square mile place it 862nd among Ohio's places. By land area, its 8.8 square miles rank 121st of 924 places in Ohio.

The geography behind Cadiz

The Census Gazetteer records 8.8 square miles of land and 0.16 square miles of water within Cadiz. With 2,977 residents, the land area yields roughly 339 people per square mile. Columbus, the largest place in Ohio, is about 107 miles from Cadiz. Cadiz has 48 larger places within a 50-mile radius. Within the same 50 miles lie 155 smaller Census places.

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