Personal loans in Clarington, OH

Clarington is a small community of about 272 residents, and a personal loan taken out here is governed by Ohio statute. Use the calculator on this page to price an amount and term before you commit in Clarington.

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

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.

An estimated 272 people make their home in Clarington, a figure that ranks 769th in Ohio. Consumer lending that reaches Clarington's 272 residents is governed by Ohio statute; no city ordinance changes it. From the 2020 Census base to the 2023 estimate, the population declined by about 2.2%. Borrowers who want a bigger city can look to Powhatan Point, OH about 6 miles away.

Clarington: population, trend and location

Here is the sourced Census picture for Clarington, plus the Ohio lending rules that apply to a loan taken out here.

Lender access in Clarington

At roughly 238 people per square mile, Clarington is lightly settled; 113 larger places lie within 50 miles. What is available to Clarington's 272 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Powhatan Point, OH about 6 miles away.

Clarington's place among Ohio's 924 places

Clarington is the 769th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. For population change between 2020 and 2023, Clarington ranks 758th of 924 in Ohio (about the 18th percentile). At about 238 people per square mile, Clarington is the 891st most densely settled place in Ohio. Within 50 miles sit 36 smaller Census places, alongside the 113 that are larger.

What Ohio law requires in Clarington

Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Clarington lender must follow.

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
Small-loan / installment lender licensingConsumer 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

How personal loans work in Clarington

A Clarington personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 272 residents. A lender serving Clarington's 272 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Clarington loan but raises total interest, so the smallest payment is not the cheapest loan.

The geography behind Clarington

Clarington covers about 1.1 square miles of land, with 0.10 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 238 residents per square mile. For the state's biggest city, Columbus, the distance is roughly 113 miles. Clarington has 113 larger places within a 50-mile radius. The 100-mile radius contains 542 larger places.

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 Clarington 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 Clarington is the same as anywhere in Ohio.
What loan size can I expect in Clarington?
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 Clarington?
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 Clarington 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

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