Personal loans in Cloverdale, OH

The 2020 count to the 2023 estimate shows about 1.2% decline in Cloverdale. In Cloverdale, one of 924 Census places in Ohio, the figure to compare across lenders is the APR, not the advertised rate.

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 167 people make their home in Cloverdale, a figure that ranks 844th in Ohio. A larger market lies at Dupont, OH about 2 miles away. Every figure below is Ohio's own, applied to Cloverdale's 167 residents, with the publisher and retrieval date attached. Work out your debt-to-income ratio first; lenders weigh it heavily, and Cloverdale's 167 residents are no exception.

Cloverdale: the sourced local profile

Cloverdale is a small community; the notes below cover its population profile and the statewide rules that apply.

What a Cloverdale borrower is actually offered

In Cloverdale, a small community of about 167, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Cloverdale's 167 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Cloverdale loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Borrowing reach in Cloverdale

With about 271 residents per square mile, Cloverdale is lightly settled, and 144 larger Census places sit within 50 miles. Lenders licensed in Ohio reach Cloverdale's 167 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Dupont, OH about 2 miles away.

Cloverdale's place among Ohio's 924 places

Against Ohio's other places, Cloverdale accounts for about 0.0% of the state's population and ranks 844th of 924 by size. For population change between 2020 and 2023, Cloverdale ranks 512th of 924 in Ohio (about the 45th percentile). Its roughly 271 residents per square mile place it 882nd among Ohio's places. By land area, its 0.6 square miles rank 639th of 924 places in Ohio.

Cloverdale: area, density and distance

The Census Gazetteer records about 0.6 square miles of land within Cloverdale, with no significant water area listed. With 167 residents, the land area yields roughly 271 people per square mile. Columbus, the largest place in Ohio, is about 99 miles from Cloverdale. Within 50 miles of Cloverdale there are 144 larger Census places. The 100-mile radius contains 539 larger places.

What Ohio law requires in Cloverdale

Read the table as a lender's compliance picture for Cloverdale: the rule, the sourced figure, the publisher and the date.

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