Personal loans in Chardon, OH

Chardon is a small town of about 5,239 residents, and a personal loan taken out here is governed by Ohio statute. Rate ceilings, licensing requirements and product limits for Chardon are all set at the Ohio level. Judge Chardon offers on total cost, not on how quickly the money arrives. The nearest larger city is Kirtland, OH about 7 miles away.

Borrowing in Chardon: the local picture

The figures below are Chardon's own — Census population, land area and coordinates — followed by the Ohio rules.

• Population: 5,239 people, a figure that places Chardon 250th among the 924 Census places in Ohio (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 0.1% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 5 residents.
• Size percentile: roughly 73% of Ohio places rank below Chardon.
• Population density: 1,193 people per square mile on 4.4 square miles of land.
• By land area: Chardon ranks 229th among Ohio's 924 places, at 4.4 sq mi.
• Water area rank: Chardon ranks 256th among Ohio's 924 places, with 0.03 sq mi.
• State share: roughly 0.1% of Ohio's residents live in Chardon (5,239 people).
• National rank: Chardon is the 4,698th most populous of the 19,457 Census places covered here.
• Growth in Ohio: Chardon stands 277th by percentage change from 2020 to 2023, among 924 places.
• State comparison: Ohio's places average +0.9% for 2020-to-2023, against Chardon's 0.1%.
• Density rank: Chardon is the 516th most densely settled place in Ohio.
• Density in context: Chardon's 1,193 people per square mile sit against a Ohio median of 1,289.
• Location: 41.5793, -81.2091 (Census Gazetteer coordinates).
• Nearest larger cities: Kirtland (7 mi); Mentor (10 mi); Painesville (10 mi); Willoughby (12 mi); Willoughby Hills (12 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Aquilla (3 mi); Kirtland Hills (7 mi); Burton (8 mi).
• Smaller places within 50 miles: 76 of them.
• Within 100 miles: 144 places are larger than Chardon.

Lender access in Chardon

Chardon is a moderately settled community of about 5,239 people, with 90 larger places inside a 50-mile radius. Whether Chardon has a local branch or not, a Ohio-licensed lender can serve its 5,239 people online on the same terms. For a larger market, the closest option is Kirtland, OH about 7 miles away.

Land, water and location for Chardon

Chardon covers about 4.4 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,193 residents per square mile. For the state's biggest city, Columbus, the distance is roughly 144 miles. A 50-mile radius around Chardon takes in 90 places that are larger. The 100-mile radius contains 144 larger places.

What to do before borrowing in Chardon

A sensible order of operations for a loan in Chardon, home to about 5,239 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Check the Ohio regulator's records to confirm the lender is licensed here.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Pick the shortest term whose payment you can comfortably afford.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

The process is identical across Ohio; what changes is your credit file, not the fact that Chardon holds 5,239 people.

Where Chardon sits in Ohio

Among Ohio's 924 places, Chardon sits at 250th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 277th of 924 Ohio places, putting it near the 70th percentile for growth. At about 1,193 people per square mile, Chardon is the 516th most densely settled place in Ohio. In land area, Chardon ranks 229th among Ohio's 924 places.

What Ohio law requires in Chardon

Read the table as a lender's compliance picture for Chardon: the rule, the sourced figure, the publisher and the date.