Personal loans in Evendale, OH
A lender serving Evendale holds a Ohio licence and answers to a Ohio regulator; no city office is involved for its 2,630 residents. An estimated 2,630 people make their home in Evendale, a figure that ranks 352nd in Ohio.
The nearest larger city is Lincoln Heights, OH about 2 miles away. Census figures put the 2020-to-2023 decrease in Evendale at about 1.5%. Rate ceilings, licensing requirements and product limits for Evendale are all set at the Ohio level. Judge Evendale offers on total cost, not on how quickly the money arrives.
Where Evendale stands
The figures below are Evendale's own — Census population, land area and coordinates — followed by the Ohio rules.
- Population: about 2,630, ranked 352nd of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
- Population trend: About 1.5% below the 2020 Census base.
- Net change: roughly 40 fewer people than the 2020 Census counted.
- Size percentile: about 62% of Ohio communities are smaller than Evendale (2,630 residents).
- Density: roughly 551 residents per square mile, spread over 4.8 sq mi of land.
- Land area: Evendale covers 4.8 square miles, the 213th-largest area among Ohio's 924 places.
- Within Ohio: about 0.0% of the state's population lives in Evendale.
- National rank: Evendale is the 6,687th most populous of the 19,457 Census places covered here.
- Growth rank: Evendale ranks 610th among Ohio's 924 places for the 2020-to-2023 change.
- Against the state trend: Evendale's 1.5% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: Evendale places 795th among Ohio's places by people per square mile.
- Against the state median: Evendale runs about 551 residents per square mile, where the Ohio median is 1,289.
- Location: 39.2509, -84.4267 (Census Gazetteer coordinates).
- Nearest larger cities: Lincoln Heights (2 mi); Reading (2 mi); Blue Ash (2 mi); Lockland (2 mi); Sharonville (2 mi). Online lenders reach Evendale no matter how far the nearest branch is.
- Smaller places close by: Glendale (2 mi); Arlington Heights (3 mi); Elmwood Place (6 mi).
- Smaller places within 50 miles: 105 of them.
- Larger places within 100 miles: 227.
How Evendale compares across Ohio
Set beside Ohio's 924 places, Evendale ranks 352nd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Evendale stands 610th among Ohio's 924 places — roughly the 34th percentile. Its roughly 551 residents per square mile place it 795th among Ohio's places. In land area, Evendale ranks 213th among Ohio's 924 places.
How a Evendale personal loan is priced
In Evendale, a small community of about 2,630, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Evendale loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Evendale decides the split between a comfortable payment and the total interest you pay.
Before you apply in Evendale
Complete these steps first when you borrow in Evendale (2,630 residents):
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the lender holds a Ohio licence by checking the regulator named above.
- Check that the monthly payment fits your budget next to your existing obligations.
- Weigh a shorter term's higher payment against the interest it saves.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
The process is identical across Ohio; what changes is your credit file, not the fact that Evendale holds 2,630 people.
Ohio consumer-lending rules applied in Evendale
Ohio has no separate rate rule for Evendale; the sourced rows below are what reach every lender that serves its 2,630 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 |
Getting a loan in Evendale
Evendale is a moderately settled community of about 2,630 people, with 110 larger places inside a 50-mile radius. Distance to a branch rarely matters for Evendale's 2,630 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Lincoln Heights, OH about 2 miles away.
Common questions
What are my options in Evendale if my credit is poor?
What loan size can I expect in Evendale?
Do I have to pledge anything to borrow in Evendale?
Does comparing loans in Evendale cost me credit score points?
Nearby places
- Reading, OH — population 10,380
- Lincoln Heights, OH — population 3,101
- Sharonville, OH — population 13,882
- Glendale, OH — population 2,263
- Lockland, OH — population 3,464
- Blue Ash, OH — population 13,408
- Woodlawn, OH — population 3,867
- Arlington Heights, OH — population 810