Personal loans in Donnelsville, OH
Donnelsville, Ohio — home to about 255 people — is a small community, so the terms you are offered follow Ohio law rather than any local rule.
Verify the lender's Ohio licence against the regulator named below before borrowing in Donnelsville. Donnelsville ranks 781st of 924 places in Ohio, with a population near 255. Which products a lender may offer to Donnelsville's 255 residents follows from the Ohio consumer-lending framework. Donnelsville shed about 1.5% of its population between the 2020 base and the 2023 estimate. The nearest larger city is Enon, OH about 4 miles away.
The Donnelsville data picture
Here is the sourced Census picture for Donnelsville, plus the Ohio lending rules that apply to a loan taken out here.
- Population: 255 residents; Donnelsville is the 781st-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 1.5% between 2020 and 2023.
- People gained or lost: about 4 fewer since the 2020 base.
- Size percentile: about 15% of Ohio's Census places are smaller than Donnelsville.
- Land and density: 0.3 square miles of land carry roughly 802 residents per square mile.
- Land area: Donnelsville covers 0.3 square miles, the 768th-largest area among Ohio's 924 places.
- Share of Ohio: Donnelsville holds about 0.0% of the state's population, some 255 people.
- Nationally: Donnelsville is the 15,690th-largest of 19,457 Census places in the dataset.
- Growth rank: Donnelsville's 2020-to-2023 change ranks 626th of 924 places in Ohio.
- Against the state trend: Donnelsville's 1.5% change compares with a Ohio average of +0.9% across its 924 places.
- Density in Ohio: Donnelsville ranks 693rd by people per square mile.
- Density in context: Donnelsville's 802 people per square mile sit against a Ohio median of 1,289.
- Location: 39.9154, -83.9430 (US Census Bureau Gazetteer).
- Nearest larger cities: Enon (4 mi); New Carlisle (5 mi); North Hampton (5 mi); Springfield (8 mi); Yellow Springs (9 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Clifton (10 mi); Catawba (18 mi); Mutual (20 mi), each with its own Census population profile.
- Within a 50-mile radius: 29 smaller Census places.
- Within 100 miles: 538 places are larger than Donnelsville.
Which Ohio laws govern a loan in Donnelsville
Ohio has no separate rate rule for Donnelsville; the sourced rows below are what reach every lender that serves its 255 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 |
The Donnelsville borrowing checklist
Complete these steps first when you borrow in Donnelsville (255 residents):
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the Ohio licence with the regulator named above before committing.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
- Decide the purpose and how you will repay it before approaching any lender.
In Donnelsville as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 255 residents.
Where Donnelsville sits in Ohio
Among Ohio's 924 places, Donnelsville sits at 781st for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Donnelsville ranks 626th of 924 in Ohio (about the 32th percentile). At about 802 people per square mile, Donnelsville is the 693rd most densely settled place in Ohio. In land area, Donnelsville ranks 768th among Ohio's 924 places.
How a Donnelsville personal loan is priced
Most loans made to Donnelsville's 255 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Donnelsville. Because the payment is fixed, the total cost of a Donnelsville loan is knowable in advance — unlike a revolving card balance.
Donnelsville: area, density and distance
Donnelsville covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 802 people per square mile. The largest place in Ohio, Columbus, lies about 51 miles away. Within 50 miles of Donnelsville there are 155 larger Census places. By land area it ranks 768th of 924 Ohio places.
Common questions
What are my options in Donnelsville if my credit is poor?
What loan size can I expect in Donnelsville?
Do I have to pledge anything to borrow in Donnelsville?
Does comparing loans in Donnelsville cost me credit score points?
Nearby places
- Enon, OH — population 2,437
- North Hampton, OH — population 455
- New Carlisle, OH — population 5,494
- Yellow Springs, OH — population 3,718
- Fairborn, OH — population 34,729
- Tremont City, OH — population 346
- Springfield, OH — population 58,082
- Christiansburg, OH — population 501