Personal loans in Dayton, OH

The Dayton data picture

Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.

• Population: 135,512 — Dayton ranks 6th of 924 communities in Ohio (US Census Bureau, Vintage 2023).
• Population trend: Down about 1.5% from the 2020 Census base to the 2023 estimate.
• Change in people: the 2020-to-2023 comparison is a loss of about 2,113 residents.
• Size percentile: roughly 99% of Ohio places rank below Dayton.
• Population density: about 2,428 people per square mile (Census land area 55.8 sq mi).
• By land area: Dayton ranks 6th among Ohio's 924 places, at 55.8 sq mi.
• Water area: Dayton has 1.15 square miles of water, ranking 10th of 924 places in Ohio.
• State population share: Dayton accounts for about 1.8% of everyone in Ohio.
• Nationally: Dayton is the 203rd-largest of 19,457 Census places in the dataset.
• Growth rank: Dayton ranks 624th among Ohio's 924 places for the 2020-to-2023 change.
• Against the state trend: Dayton's 1.5% change compares with a Ohio average of +0.9% across its 924 places.
• Density rank: Dayton is the 124th most densely settled place in Ohio.
• Against the state median: Dayton runs about 2,428 residents per square mile, where the Ohio median is 1,289.
• Location: it lies at 39.7847, -84.1996 in the Census Gazetteer.
• Nearest larger cities: Cincinnati (47 mi); Columbus (66 mi); Fort Wayne (103 mi). Larger metros often have more branches, but online lenders reach Dayton on the same terms.
• Smaller places nearby: Riverside (4 mi); Oakwood (5 mi); Moraine (6 mi).
• Smaller neighbours: 210 places smaller than Dayton sit within 50 miles.
• Within 100 miles: 2 places are larger than Dayton.

How Ohio law applies in Dayton

When Ohio does not publish a figure, the row links to the source instead of inventing a number; Dayton is bound by the same rules.

What a Dayton borrower is actually offered

A Dayton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 135,512 residents. Two numbers drive a Dayton loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Dayton decides the split between a comfortable payment and the total interest you pay.

Dayton's place among Ohio's 924 places

Within Ohio, Dayton holds roughly 1.8% of all residents, the 6th-largest share among 924 places. On the 2020-to-2023 trend, Dayton stands 624th among Ohio's 924 places — roughly the 32th percentile. Its roughly 2,428 residents per square mile place it 124th among Ohio's places. By land area, its 55.8 square miles rank 6th of 924 places in Ohio.

The geography behind Dayton

Inside Dayton's boundaries lie roughly 55.8 square miles of land and 1.15 square miles of water. The resulting density is about 2,428 people per square mile. For the state's biggest city, Columbus, the distance is roughly 66 miles. A 50-mile radius around Dayton takes in 1 places that are larger. Within the same 50 miles lie 210 smaller Census places.

A practical checklist for Dayton borrowers

Before you apply in Dayton, a community of about 135,512, work through these steps:

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. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Make sure the lender appears in the Ohio regulator's licence list.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

In Dayton as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 135,512 residents.