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.
Where Clifton stands
What follows is Clifton's place in the Census record, alongside the Ohio rules that govern a personal loan made here.
- Population: about 136 people live here, which puts Clifton 869th of 924 Census places in Ohio (Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 1.5%.
- Absolute change: 2 residents added between 2020 and 2023.
- Size percentile: roughly 6% of Ohio's places have fewer residents than Clifton's 136.
- Land and density: 0.2 square miles of land carry roughly 805 residents per square mile.
- By land area: Clifton ranks 867th among Ohio's 924 places, at 0.2 sq mi.
- Share of Ohio: Clifton holds about 0.0% of the state's population, some 136 people.
- National standing: Clifton ranks 17,497th of 19,457 US places.
- Growth rank: Clifton's 2020-to-2023 change ranks 108th of 924 places in Ohio.
- Against the state trend: Clifton's 1.5% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: Clifton places 692nd among Ohio's places by people per square mile.
- Density in context: Clifton's 805 people per square mile sit against a Ohio median of 1,289.
- Location: mapped by the US Census Bureau at 39.7972, -83.8254.
- Nearest larger cities: Cedarville (3 mi); Yellow Springs (4 mi); Enon (7 mi); Springfield (9 mi); Fairborn (10 mi). Lenders licensed in the state serve Clifton whether or not they keep a local branch.
- Nearest smaller towns: Octa (17 mi); Milledgeville (19 mi); Mutual (22 mi).
- Smaller neighbours: 6 places smaller than Clifton sit within 50 miles.
- Within 100 miles: 595 places are larger than Clifton.
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.
| 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 |
Common questions
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Nearby places
- Cedarville, OH — population 4,250
- Yellow Springs, OH — population 3,718
- Enon, OH — population 2,437
- Springfield, OH — population 58,082
- Jamestown, OH — population 2,073
- Xenia, OH — population 25,725
- Donnelsville, OH — population 255
- Fairborn, OH — population 34,729