Personal loans in Chatfield, OH

Every figure below is Ohio's own, applied to Chatfield's 200 residents, with the publisher and retrieval date attached.

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

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Two households in Chatfield with comparable incomes can still be offered different rates; the city's 200 residents are not the reason. About 200 people live in Chatfield, placing it 826th of 924 Census places in Ohio. The trend for Chatfield between 2020 and 2023 is downward by roughly 2.0%. If debt is already a strain, a nonprofit credit counsellor can help Chatfield residents before they take on more. A larger market lies at New Washington, OH about 5 miles away.

Borrowing in Chatfield: the local picture

Most of what governs a Chatfield loan is written in Ohio law rather than in the city; the sourced notes below make that split concrete.

Population: about 200, ranked 826th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
Population trend: About 2.0% below the 2020 Census base.
People gained or lost: about 4 fewer since the 2020 base.
Size percentile: Chatfield sits ahead of around 11% of Ohio places, at 200 people.
Density: the Census land area of 0.3 sq mi holds about 678 people per square mile.
Land area rank: Chatfield's 0.3 square miles rank 780th of 924 places in Ohio.
State population share: Chatfield accounts for about 0.0% of everyone in Ohio.
National rank: Chatfield sits 16,491st by population among the 19,457 places in this dataset.
Growth rank: Chatfield's 2020-to-2023 change ranks 713th of 924 places in Ohio.
Versus Ohio: the state average change is +0.9%, while Chatfield moved 2.0%.
Density rank: Chatfield is the 753rd most densely settled place in Ohio.
Density in context: Chatfield's 678 people per square mile sit against a Ohio median of 1,289.
Location: it lies at 40.9512, -82.9420 in the Census Gazetteer.
Nearest larger cities: New Washington (5 mi); Bloomville (8 mi); Attica (8 mi); Tiro (10 mi); Bucyrus (10 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller towns nearby: Harpster (22 mi); Kirby (27 mi); Burgoon (27 mi).
Smaller places within 50 miles: 14 of them.
At 100 miles: 579 larger Census places fall inside that radius.

The state rulebook for Chatfield

The rows below set out what a licensed lender must follow in Ohio, and so for Chatfield's roughly 200 residents.

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

Chatfield on the map

Inside Chatfield's boundaries lie about 0.3 square miles of land, with no significant water area recorded. The resulting density is about 678 people per square mile. The largest place in Ohio, Columbus, lies about 67 miles away. A 50-mile radius around Chatfield takes in 132 places that are larger. Within the same 50 miles lie 14 smaller Census places.

Chatfield's place among Ohio's 924 places

Against Ohio's other places, Chatfield accounts for about 0.0% of the state's population and ranks 826th of 924 by size. On the 2020-to-2023 trend, Chatfield stands 713th among Ohio's 924 places — roughly the 23th percentile. Its roughly 678 residents per square mile place it 753rd among Ohio's places. By land area, its 0.3 square miles rank 780th of 924 places in Ohio.

How a Chatfield personal loan is priced

Chatfield is a small community of about 200 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Chatfield's 200 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Chatfield loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Steps to take before a Chatfield loan

For Chatfield's roughly 200 residents, these are the steps that most influence the offer:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Price the payment first with our personal loan calculator before any lender quotes you.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Verify the lender's Ohio licence with the regulator listed on this page.
Test the payment against your current bills before you commit.
Pick the shortest term whose payment you can comfortably afford.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Chatfield and the rest of Ohio is not the process but the borrower's own file, among the 200 people here.

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Common questions

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

What loan size can I expect in Chatfield?

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 Chatfield?

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 Chatfield 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

New Washington, OH — population 856
Bloomville, OH — population 853
Attica, OH — population 868
Bucyrus, OH — population 11,542
Tiro, OH — population 217
North Robinson, OH — population 217
Republic, OH — population 542
Sycamore, OH — population 772