Personal loans in De Graff, OH
For a borrower among the roughly 1,251 residents of De Graff, a personal loan is a tool whose cost turns on the terms, not the address. The Census counts 1,251 people in De Graff, the 484th-largest figure among Ohio's 924 places.
The 2020 count to the 2023 estimate shows about 0.1% decline in De Graff. To lend to De Graff's 1,251 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. Rate-shopping from De Graff costs nothing at pre-qualification, where a soft pull leaves your credit file alone. For a bigger market, look to Bellefontaine, OH about 9 miles away.
The De Graff data picture
What follows is De Graff's place in the Census record, alongside the Ohio rules that govern a personal loan made here.
- Population: the Census counts 1,251 residents in De Graff (Vintage 2023 subcounty estimate), the 484th-largest figure among Ohio's 924 places.
- Population trend: A loss of roughly 0.1% between 2020 and 2023.
- Net change: roughly 1 fewer people than the 2020 Census counted.
- Size percentile: about 48% of Ohio communities are smaller than De Graff (1,251 residents).
- Land and density: 1.0 square miles of land carry roughly 1,247 residents per square mile.
- Land area: De Graff covers 1.0 square miles, the 521st-largest area among Ohio's 924 places.
- Share of Ohio: De Graff holds about 0.0% of the state's population, some 1,251 people.
- National standing: De Graff ranks 9,387th of 19,457 US places.
- Growth in Ohio: De Graff stands 275th by percentage change from 2020 to 2023, among 924 places.
- Against the state trend: De Graff's 0.1% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: De Graff is the 485th most densely settled place in Ohio.
- Against the state median: De Graff runs about 1,247 residents per square mile, where the Ohio median is 1,289.
- Location: coordinates 40.3127, -83.9166 (US Census Bureau Gazetteer).
- Nearest larger cities: Bellefontaine (9 mi); West Liberty (9 mi); Russells Point (11 mi); Jackson Center (11 mi); St. Paris (13 mi). Larger metros often have more branches, but online lenders reach De Graff on the same terms.
- Nearest smaller towns: Quincy (3 mi); Port Jefferson (9 mi); Huntsville (11 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 96 smaller Census places.
- At 100 miles: 348 larger Census places fall inside that radius.
Land, water and location for De Graff
The Census Gazetteer records about 1.0 square miles of land within De Graff, with no significant water area listed. The resulting density is about 1,247 people per square mile. The largest place in Ohio, Columbus, lies about 54 miles away. De Graff has 84 larger places within a 50-mile radius. The 100-mile radius contains 348 larger places.
The anatomy of a De Graff personal loan
De Graff is a small community of about 1,251 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in De Graff can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a De Graff loan is knowable in advance — unlike a revolving card balance.
De Graff against the rest of Ohio
Among Ohio's 924 places, De Graff sits at 484th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, De Graff stands 275th among Ohio's 924 places — roughly the 70th percentile. At about 1,247 people per square mile, De Graff is the 485th most densely settled place in Ohio. The population moved by about 1 people between 2020 and 2023, a 0.1% shift.
Ohio rules behind a De Graff personal loan
Ohio has no separate rate rule for De Graff; the sourced rows below are what reach every lender that serves its 1,251 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 |
| 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 |
| 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 |
Borrowing reach in De Graff
With about 1,247 residents per square mile, De Graff is moderately settled, and 84 larger Census places sit within 50 miles. Distance to a branch rarely matters for De Graff's 1,251 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Bellefontaine, OH about 9 miles away.
Common questions
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Does comparing loans in De Graff cost me credit score points?
Nearby places
- Quincy, OH — population 543
- Russells Point, OH — population 1,323
- Bellefontaine, OH — population 14,073
- West Liberty, OH — population 1,756
- Huntsville, OH — population 407
- Lakeview, OH — population 1,199
- Port Jefferson, OH — population 306
- Jackson Center, OH — population 1,432