Personal loans in Clifton, OH

Clifton, Ohio — home to about 136 people — is a small community, so the terms you are offered follow Ohio law rather than any local rule. Clifton is home to roughly 136 people and stands 869th by size out of 924 Census places in Ohio. From the 2020 Census base to the 2023 estimate, the population rose by about 1.5%. Which products a lender may offer to Clifton's 136 residents follows from the Ohio consumer-lending framework. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Clifton loan. A larger market lies at Cedarville, OH about 3 miles away.

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.

Where Clifton stands

What follows is Clifton's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

How Clifton compares across Ohio

Set beside Ohio's 924 places, Clifton ranks 869th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Clifton stands 108th among Ohio's 924 places — roughly the 88th percentile. Its roughly 805 residents per square mile place it 692nd among Ohio's places. Between 2020 and 2023 the count changed by roughly 2 residents.

What is available to Clifton borrowers

Clifton is a moderately settled community of about 136 people, with 178 larger places inside a 50-mile radius. Lenders licensed in Ohio reach Clifton's 136 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Cedarville, OH about 3 miles away.

The geography behind Clifton

The Census Gazetteer records about 0.2 square miles of land within Clifton, with no significant water area listed. Spread across it are roughly 805 residents per square mile. For the state's biggest city, Columbus, the distance is roughly 46 miles. A 50-mile radius around Clifton takes in 178 places that are larger. The 100-mile radius contains 595 larger places.

What shapes a Clifton personal loan

A Clifton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 136 residents. Because pricing is borrower-level, two people in Clifton can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Clifton loan but raises total interest, so the smallest payment is not the cheapest loan.

Ohio rules behind a Clifton personal loan

The rows below set out what a licensed lender must follow in Ohio, and so for Clifton's roughly 136 residents.

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
Payday lending statusLegal 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 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

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

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