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Personal loans in Castine, OH

Personal loans in Castine are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 107 population. Census figures put the 2020-to-2023 decrease in Castine at about 0.9%. By population, Castine sits at 894th in Ohio, with an estimated 107 residents. Decide the purpose of the loan and your repayment plan before sharing any details with a Castine lender. Rate ceilings, licensing requirements and product limits for Castine are all set at the Ohio level. Borrowers who want a bigger city can look to West Manchester, OH about 2 miles away.

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.

The Castine data picture

Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.

How Castine compares across Ohio

Castine is the 894th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. For population change between 2020 and 2023, Castine ranks 450th of 924 in Ohio (about the 51th percentile). By density, at about 1,408 people per square mile, it ranks 405th in Ohio. In land area, Castine ranks 914th among Ohio's 924 places.

Lender access in Castine

At roughly 1,408 people per square mile, Castine is moderately settled; 196 larger places lie within 50 miles. A Ohio licence lets a lender serve Castine without a local office, so branch density does not change what its 107 residents are offered. The nearest larger city, West Manchester, OH about 2 miles away.

Castine on the map

Inside Castine's boundaries lie about 0.1 square miles of land, with no significant water area recorded. Spread across it are roughly 1,408 residents per square mile. The largest place in Ohio, Columbus, lies about 87 miles away. A 50-mile radius around Castine takes in 196 places that are larger. By land area it ranks 914th of 924 Ohio places.

What shapes a Castine personal loan

In Castine, a small community of about 107, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Castine can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Castine loan is knowable in advance — unlike a revolving card balance.

What Ohio law requires in Castine

Below are the Ohio rules that apply to a loan made in Castine, each with the regulator that issued it.

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