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.

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.

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.

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.

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
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 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

The Donnelsville borrowing checklist

Complete these steps first when you borrow in Donnelsville (255 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the Ohio licence with the regulator named above before committing.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. 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.

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

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