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Personal loans in Centerville (Thurman), OH

Centerville (Thurman) counts about 87 people, and what is genuinely local about borrowing here is limited — Ohio law does the governing. With an estimated 87 residents, Centerville (Thurman) is the 906th-largest of 924 places in Ohio. Population in Centerville (Thurman) dropped about 1.1% over the three years from 2020 to 2023. A lender that serves Centerville (Thurman) operates under Ohio lending statutes and a Ohio supervisor. Price two or three terms so you can see which payment is truly affordable in Centerville (Thurman). For a bigger market, look to Rio Grande, OH about 4 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.

Centerville (Thurman): the sourced local profile

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

Centerville (Thurman) against the rest of Ohio

Set beside Ohio's 924 places, Centerville (Thurman) ranks 906th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 501st of 924 Ohio places, putting it near the 46th percentile for growth. Its roughly 870 residents per square mile place it 663rd among Ohio's places. In land area, Centerville (Thurman) ranks 902nd among Ohio's 924 places.

Land, water and location for Centerville (Thurman)

The Census Gazetteer records about 0.1 square miles of land within Centerville (Thurman), with no significant water area listed. With 87 residents, the land area yields roughly 870 people per square mile. The state's population centre of gravity, Columbus, is roughly 80 miles away. Within 50 miles of Centerville (Thurman) there are 87 larger Census places. Within the same 50 miles lie 0 smaller Census places.

The Ohio lending rules that reach Centerville (Thurman)

Below are the Ohio rules that apply to a loan made in Centerville (Thurman), 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

A practical checklist for Centerville (Thurman) borrowers

For Centerville (Thurman)'s roughly 87 residents, these are the steps that most influence the offer:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Model the payment on the calculator before a lender models it for you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the lender holds a Ohio licence by checking the regulator named above.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Keep the amount to the expense; an approval is not a reason to take more.

The process is identical across Ohio; what changes is your credit file, not the fact that Centerville (Thurman) holds 87 people.

What shapes a Centerville (Thurman) personal loan

In Centerville (Thurman), a small community of about 87, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Centerville (Thurman)'s 87 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Centerville (Thurman) loan but raises total interest, so the smallest payment is not the cheapest loan.

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 Centerville (Thurman) 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 Centerville (Thurman) is the same as anywhere in Ohio.
What loan size can I expect in Centerville (Thurman)?
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 Centerville (Thurman)?
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 Centerville (Thurman) 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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