Personal loans in Elida, OH
A personal loan in Elida is priced from your credit file and income, not from the fact that the city holds 1,900 people. Roughly 1,900 residents live in Elida, the 404th-largest community in Ohio.
The nearest larger metro is Lima, OH about 6 miles away. The 2020 count to the 2023 estimate shows about 1.2% decline in Elida. Consumer lending that reaches Elida's 1,900 residents is governed by Ohio statute; no city ordinance changes it. Pull your credit reports and line up at least three offers before you apply from Elida.
What the Census records for Elida
Most of what governs a Elida loan is written in Ohio law rather than in the city; the sourced notes below make that split concrete.
- Population: 1,900 — Elida ranks 404th of 924 communities in Ohio (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 1.2% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 23 residents.
- Size percentile: bigger than about 56% of the places in Ohio, with 1,900 residents in Elida.
- Population density: 1,631 people per square mile on 1.2 square miles of land.
- Land area: Elida covers 1.2 square miles, the 484th-largest area among Ohio's 924 places.
- State share: roughly 0.0% of Ohio's residents live in Elida (1,900 people).
- Nationally: Elida is the 7,820th-largest of 19,457 Census places in the dataset.
- Growth rank: Elida's 2020-to-2023 change ranks 519th of 924 places in Ohio.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Elida's 1.2%.
- Density rank: Elida is the 307th most densely settled place in Ohio.
- Density vs Ohio: Elida's 1,631 people per square mile compare with a state median of 1,289.
- Location: coordinates 40.7870, -84.1997 (US Census Bureau Gazetteer).
- Nearest larger cities: Lima (6 mi); Delphos (8 mi); Spencerville (10 mi); Columbus Grove (12 mi); Wapakoneta (15 mi). Living near a larger metro rarely changes what is available in Elida.
- Nearest smaller towns: Cairo (7 mi); Fort Jennings (10 mi); Cridersville (10 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 126 smaller Census places.
- At 100 miles: 235 larger Census places fall inside that radius.
Ohio rules behind a Elida personal loan
For the roughly 1,900 residents of Elida, the rules below are Ohio's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| 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 |
Elida's place among Ohio's 924 places
Elida is the 404th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 519th of 924 Ohio places, putting it near the 44th percentile for growth. By density, at about 1,631 people per square mile, it ranks 307th in Ohio. By land area, its 1.2 square miles rank 484th of 924 places in Ohio.
Elida: area, density and distance
Inside Elida's boundaries lie about 1.2 square miles of land, with no significant water area recorded. The resulting density is about 1,631 people per square mile. For the state's biggest city, Columbus, the distance is roughly 85 miles. Counting outward 50 miles, 36 larger communities surround Elida. By land area it ranks 484th of 924 Ohio places.
What is available to Elida borrowers
At roughly 1,631 people per square mile, Elida is moderately settled; 36 larger places lie within 50 miles. Whether Elida has a local branch or not, a Ohio-licensed lender can serve its 1,900 people online on the same terms. The nearest bigger place is Lima, OH about 6 miles away.
How personal loans work in Elida
A Elida personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,900 residents. A lender serving Elida's 1,900 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Elida loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
What are my options in Elida if my credit is poor?
What loan size can I expect in Elida?
Do I have to pledge anything to borrow in Elida?
Does comparing loans in Elida cost me credit score points?
Nearby places
- Lima, OH — population 34,794
- Cairo, OH — population 502
- Cridersville, OH — population 1,746
- Delphos, OH — population 7,061
- Fort Jennings, OH — population 525
- Spencerville, OH — population 2,164
- Buckland, OH — population 229
- Columbus Grove, OH — population 2,131