Personal loans in Darbyville, OH
Darbyville counts about 189 people, and what is genuinely local about borrowing here is limited — Ohio law does the governing. Darbyville is home to roughly 189 people and stands 831st by size out of 924 Census places in Ohio.
The 2020 count to the 2023 estimate shows about 2.2% growth in Darbyville. Read the disclosure for an origination fee and any prepayment penalty before signing in Darbyville. The closest larger city is South Bloomfield, OH about 7 miles away. Every figure below is Ohio's own, applied to Darbyville's 189 residents, with the publisher and retrieval date attached.
Darbyville by the numbers
What follows is Darbyville's place in the Census record, alongside the Ohio rules that govern a personal loan made here.
- Population: the Census counts 189 residents in Darbyville (Vintage 2023 subcounty estimate), the 831st-largest figure among Ohio's 924 places.
- Population trend: Growth of about 2.2% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a gain of about 4 residents.
- Size percentile: bigger than about 10% of the places in Ohio, with 189 residents in Darbyville.
- Population density: 366 people per square mile on 0.5 square miles of land.
- Land area: Darbyville covers 0.5 square miles, the 681st-largest area among Ohio's 924 places.
- Water area: Darbyville has 0.02 square miles of water, ranking 308th of 924 places in Ohio.
- Share of Ohio: Darbyville holds about 0.0% of the state's population, some 189 people.
- National rank: Darbyville is the 16,635th most populous of the 19,457 Census places covered here.
- Growth rank: Darbyville ranks 78th among Ohio's 924 places for the 2020-to-2023 change.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Darbyville's 2.2%.
- Density rank: Darbyville places 851st among Ohio's places by people per square mile.
- Against the state median: Darbyville runs about 366 residents per square mile, where the Ohio median is 1,289.
- Location: latitude 39.6960, longitude -83.1137 (Census Gazetteer).
- Nearest larger cities: South Bloomfield (7 mi); Williamsport (8 mi); Commercial Point (8 mi); Harrisburg (8 mi); Ashville (9 mi). Lenders licensed in the state serve Darbyville whether or not they keep a local branch.
- Smaller places close by: Brice (21 mi); Milledgeville (26 mi); Octa (27 mi).
- Smaller neighbours: 8 places smaller than Darbyville sit within 50 miles.
- Larger places within 100 miles: 539.
How Ohio law applies in Darbyville
Ohio has no separate rate rule for Darbyville; the sourced rows below are what reach every lender that serves its 189 people.
| 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 |
| 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 |
| 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 |
Darbyville: area, density and distance
Darbyville covers about 0.5 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). That land carries about 366 people per square mile. The largest place in Ohio, Columbus, lies about 21 miles away. Counting outward 50 miles, 126 larger communities surround Darbyville. The 100-mile radius contains 539 larger places.
Steps to take before a Darbyville loan
Before you apply in Darbyville, a community of about 189, work through these steps:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the lender holds a Ohio licence by checking the regulator named above.
- Keep the amount to the expense; an approval is not a reason to take more.
- Be clear on what the loan is for and how it gets repaid.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
None of these steps is Darbyville-specific: the same Ohio licensing and disclosure rules reach all 189 residents.
How Darbyville compares across Ohio
Set beside Ohio's 924 places, Darbyville ranks 831st by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Darbyville ranks 78th of 924 in Ohio (about the 92th percentile). At about 366 people per square mile, Darbyville is the 851st most densely settled place in Ohio. The population moved by about 4 people between 2020 and 2023, a 2.2% shift.
What shapes a Darbyville personal loan
A Darbyville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 189 residents. The APR tracks your credit score rather than Darbyville's rank of 831st in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Darbyville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
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Nearby places
- Williamsport, OH — population 1,012
- South Bloomfield, OH — population 2,660
- Harrisburg, OH — population 309
- Commercial Point, OH — population 3,215
- Ashville, OH — population 4,760
- Mount Sterling, OH — population 2,030
- Lockbourne, OH — population 229
- Grove City, OH — population 42,782