Personal loans in Clayton, OH

Clayton: population, trend and location

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

• Population: 13,222 people, a figure that places Clayton 137th among the 924 Census places in Ohio (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 0.6%.
• Net change: roughly 83 fewer people than the 2020 Census counted.
• Size percentile: roughly 85% of Ohio's places have fewer residents than Clayton's 13,222.
• Population density: about 714 people per square mile (Census land area 18.5 sq mi).
• By land area: Clayton ranks 49th among Ohio's 924 places, at 18.5 sq mi.
• Water area rank: Clayton ranks 178th among Ohio's 924 places, with 0.07 sq mi.
• State population share: Clayton accounts for about 0.2% of everyone in Ohio.
• Nationally: Clayton is the 2,590th-largest of 19,457 Census places in the dataset.
• Growth rank: Clayton's 2020-to-2023 change ranks 378th of 924 places in Ohio.
• Against the state trend: Clayton's 0.6% change compares with a Ohio average of +0.9% across its 924 places.
• Density in Ohio: Clayton ranks 734th by people per square mile.
• Density in context: Clayton's 714 people per square mile sit against a Ohio median of 1,289.
• Location: mapped by the US Census Bureau at 39.8695, -84.3254.
• Nearest larger cities: Englewood (1 mi); Trotwood (5 mi); Vandalia (7 mi); Dayton (9 mi); Huber Heights (11 mi). Living near a larger metro rarely changes what is available in Clayton.
• Smaller towns nearby: Union (3 mi); Phillipsburg (5 mi); Brookville (5 mi).
• Within a 50-mile radius: 179 smaller Census places.
• Larger places within 100 miles: 81.

How personal loans work in Clayton

In Clayton, a small town of about 13,222, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Clayton's 13,222 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Clayton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Ohio rules behind a Clayton personal loan

Below are the Ohio rules that apply to a loan made in Clayton, each with the regulator that issued it.

The Clayton borrowing checklist

For Clayton's roughly 13,222 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's Ohio licence with the regulator listed on this page.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Make sure the new payment leaves room in a budget you already keep.
7. Weigh a shorter term's higher payment against the interest it saves.

What differs between Clayton and the rest of Ohio is not the process but the borrower's own file, among the 13,222 people here.

How Clayton compares across Ohio

Against Ohio's other places, Clayton accounts for about 0.2% of the state's population and ranks 137th of 924 by size. Its 2020-to-2023 change ranks 378th of 924 Ohio places, putting it near the 59th percentile for growth. By density, at about 714 people per square mile, it ranks 734th in Ohio. Within 50 miles sit 179 smaller Census places, alongside the 33 that are larger.

Getting a loan in Clayton

With about 714 residents per square mile, Clayton is moderately settled, and 33 larger Census places sit within 50 miles. Distance to a branch rarely matters for Clayton's 13,222 residents: the application is online and the price follows your credit file. The nearest larger city, Englewood, OH about 1 miles away.