Personal loans in Clarksville, OH

The 2020 count to the 2023 estimate shows about 0.2% growth in Clarksville. Clarksville is a small community in Ohio, with an estimated 535 residents, and every licensed lender here follows the same state rulebook.

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.

About 535 people live in Clarksville, placing it 654th of 924 Census places in Ohio. The closest larger place is Harveysburg, OH about 7 miles away. Consumer lending that reaches Clarksville's 535 residents is governed by Ohio statute; no city ordinance changes it. Compare APR, not the interest rate, because the APR folds in most fees on a Clarksville loan.

Where Clarksville stands

Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.

What is available to Clarksville borrowers

Clarksville is a moderately settled community of about 535 people, with 158 larger places inside a 50-mile radius. Whether Clarksville has a local branch or not, a Ohio-licensed lender can serve its 535 people online on the same terms. The nearest bigger place is Harveysburg, OH about 7 miles away.

Clarksville on the map

Inside Clarksville's boundaries lie roughly 0.5 square miles of land and 0.03 square miles of water. The resulting density is about 1,148 people per square mile. For the state's biggest city, Columbus, the distance is roughly 67 miles. A 50-mile radius around Clarksville takes in 158 places that are larger. By land area it ranks 702nd of 924 Ohio places.

How personal loans work in Clarksville

Clarksville is a small community of about 535 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Clarksville lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Clarksville loan but raises total interest, so the smallest payment is not the cheapest loan.

What Ohio law requires in Clarksville

Below are the Ohio rules that apply to a loan made in Clarksville, 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
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

Clarksville's place among Ohio's 924 places

Among Ohio's 924 places, Clarksville sits at 654th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Clarksville stands 225th among Ohio's 924 places — roughly the 76th percentile. Its roughly 1,148 residents per square mile place it 535th among Ohio's places. By land area, its 0.5 square miles rank 702nd of 924 places in Ohio.

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