Personal loans in Chauncey, OH
Which products a lender may offer to Chauncey's 944 residents follows from the Ohio consumer-lending framework. Chauncey ranks 539th of 924 places in Ohio, with a population near 944.
For a borrower among the roughly 944 residents of Chauncey, a personal loan is a tool whose cost turns on the terms, not the address. The trend for Chauncey between 2020 and 2023 is downward by roughly 1.8%. If debt is already a strain, a nonprofit credit counsellor can help Chauncey residents before they take on more. The nearest larger city is Athens, OH about 5 miles away.
What the Census records for Chauncey
The figures below are Chauncey's own — Census population, land area and coordinates — followed by the Ohio rules.
- Population: the Census counts 944 residents in Chauncey (Vintage 2023 subcounty estimate), the 539th-largest figure among Ohio's 924 places.
- Population trend: Lower by roughly 1.8% since the 2020 count.
- People gained or lost: about 17 fewer since the 2020 base.
- Size percentile: bigger than about 42% of the places in Ohio, with 944 residents in Chauncey.
- Density: roughly 1,716 residents per square mile, spread over 0.6 sq mi of land.
- By land area: Chauncey ranks 666th among Ohio's 924 places, at 0.6 sq mi.
- Share of state population: Chauncey's 944 residents are about 0.0% of Ohio.
- National rank: Chauncey is 10,476th of 19,457 places nationwide.
- Growth rank: Chauncey's 2020-to-2023 change ranks 678th of 924 places in Ohio.
- Versus Ohio: the state average change is +0.9%, while Chauncey moved 1.8%.
- Density in Ohio: Chauncey ranks 277th by people per square mile.
- Density in context: Chauncey's 1,716 people per square mile sit against a Ohio median of 1,289.
- Location: it lies at 39.4005, -82.1266 in the Census Gazetteer.
- Nearest larger cities: Athens (5 mi); Nelsonville (7 mi); Glouster (7 mi); Logan (18 mi); McArthur (22 mi). A branch is convenient; it is not what sets your APR.
- Smaller towns nearby: Buchtel (5 mi); Jacksonville (6 mi); Trimble (6 mi).
- Smaller places within 50 miles: 59 of them.
- Larger places within 100 miles: 226.
Inside a Chauncey personal loan
In Chauncey, a small community of about 944, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Chauncey loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Chauncey loan but raises total interest, so the smallest payment is not the cheapest loan.
Borrowing reach in Chauncey
Chauncey is moderately settled, with about 1,716 people per square mile and 52 larger places within 50 miles. Distance to a branch rarely matters for Chauncey's 944 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Athens, OH about 5 miles away.
Ohio consumer-lending rules applied in Chauncey
Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Chauncey lender must follow.
| 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 |
| Payday lending status | Legal 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 |
| 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 |
Chauncey in state context
Against Ohio's other places, Chauncey accounts for about 0.0% of the state's population and ranks 539th of 924 by size. For population change between 2020 and 2023, Chauncey ranks 678th of 924 in Ohio (about the 27th percentile). Its roughly 1,716 residents per square mile place it 277th among Ohio's places. Within 50 miles sit 59 smaller Census places, alongside the 52 that are larger.
Where Chauncey sits
Chauncey covers about 0.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 944 residents, the land area yields roughly 1,716 people per square mile. The largest place in Ohio, Columbus, lies about 61 miles away. Within 50 miles of Chauncey there are 52 larger Census places. Within the same 50 miles lie 59 smaller Census places.
Common questions
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Nearby places
- Athens, OH — population 24,673
- Buchtel, OH — population 513
- Jacksonville, OH — population 396
- Trimble, OH — population 322
- Glouster, OH — population 1,629
- Nelsonville, OH — population 4,518
- Murray City, OH — population 336
- Amesville, OH — population 170