Personal loans in Cedarville, OH

A personal loan in Cedarville is priced from your credit file and income, not from the fact that the city holds 4,250 people. Verify the lender's Ohio licence against the regulator named below before borrowing in Cedarville.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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About 4,250 people live in Cedarville, placing it 277th of 924 Census places in Ohio. To lend to Cedarville's 4,250 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. The 2020 count to the 2023 estimate shows about 0.2% decline in Cedarville. For a bigger market, look to Xenia, OH about 8 miles away.

The Cedarville data picture

What follows is Cedarville's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

Population: a Census-estimated 4,250, 277th among Ohio's 924 places (Vintage 2023).
Population trend: A decline of about 0.2% across the 2020-to-2023 comparison.
People gained or lost: about 8 fewer since the 2020 base.
Size percentile: bigger than about 70% of the places in Ohio, with 4,250 residents in Cedarville.
Population density: 3,244 people per square mile on 1.3 square miles of land.
Land area: Cedarville covers 1.3 square miles, the 450th-largest area among Ohio's 924 places.
Water area rank: Cedarville ranks 229th among Ohio's 924 places, with 0.04 sq mi.
State share: roughly 0.1% of Ohio's residents live in Cedarville (4,250 people).
National standing: Cedarville ranks 5,300th of 19,457 US places.
Growth in Ohio: Cedarville stands 289th by percentage change from 2020 to 2023, among 924 places.
State comparison: Ohio's places average +0.9% for 2020-to-2023, against Cedarville's 0.2%.
Density rank: Cedarville is the 51st most densely settled place in Ohio.
Density vs Ohio: Cedarville's 3,244 people per square mile compare with a state median of 1,289.
Location: 39.7484, -83.8122 (Census Gazetteer coordinates).
Nearest larger cities: Xenia (8 mi); Fairborn (11 mi); Springfield (13 mi); Beavercreek (13 mi); Bellbrook (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller communities within reach: Clifton (3 mi); Yellow Springs (5 mi); Jamestown (7 mi).
Smaller places within 50 miles: 117 of them.
Within 100 miles: 169 places are larger than Cedarville.

How Ohio law applies in Cedarville

These are Ohio's sourced lending facts as they reach Cedarville's 4,250 residents; the state has no city-level rate rule.

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

Before you apply in Cedarville

A sensible order of operations for a loan in Cedarville, home to about 4,250 people:

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Model the payment on the calculator before a lender models it for you.
Get several pre-qualifications and compare APR side by side before choosing.
Confirm the Ohio licence with the regulator named above before committing.
Make sure the new payment leaves room in a budget you already keep.
Weigh a shorter term's higher payment against the interest it saves.
Borrow only what the purpose requires, not the maximum you are offered.

In Cedarville as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 4,250 residents.

What a Cedarville borrower is actually offered

A Cedarville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,250 residents. Because pricing is borrower-level, two people in Cedarville can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Cedarville loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Cedarville sits in Ohio

Cedarville is the 277th-largest of 924 Census places in Ohio and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 289th of 924 Ohio places, putting it near the 69th percentile for growth. By density, at about 3,244 people per square mile, it ranks 51st in Ohio. The population moved by about 8 people between 2020 and 2023, a 0.2% shift.

Lender access in Cedarville

With about 3,244 residents per square mile, Cedarville is fairly dense, and 75 larger Census places sit within 50 miles. A Ohio licence lets a lender serve Cedarville without a local office, so branch density does not change what its 4,250 residents are offered. The nearest larger city, Xenia, OH about 8 miles away.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Cedarville 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 Cedarville is the same as anywhere in Ohio.

What loan size can I expect in Cedarville?

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 Cedarville?

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 Cedarville 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.

Nearby places

Clifton, OH — population 136
Yellow Springs, OH — population 3,718
Jamestown, OH — population 2,073
Xenia, OH — population 25,725
Enon, OH — population 2,437
Springfield, OH — population 58,082
South Charleston, OH — population 1,689
Bowersville, OH — population 266