Personal loans in Fairfax, OH
Fairfax is home to roughly 1,743 people and stands 419th by size out of 924 Census places in Ohio. Personal loans in Fairfax are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,743 population.
Begin with the payment, then weigh APR and total interest across the lenders that reach Fairfax's 1,743 residents. A lender that serves Fairfax operates under Ohio lending statutes and a Ohio supervisor. Fairfax shed about 1.4% of its population between the 2020 base and the 2023 estimate. The next larger city is Mariemont, OH about 1 miles away.
Fairfax by the numbers
Most of what governs a Fairfax loan is written in Ohio law rather than in the city; the sourced notes below make that split concrete.
- Population: 1,743 residents; Fairfax is the 419th-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 1.4% between 2020 and 2023.
- People gained or lost: about 25 fewer since the 2020 base.
- Size percentile: roughly 55% of Ohio's places have fewer residents than Fairfax's 1,743.
- Population density: 2,237 people per square mile on 0.8 square miles of land.
- Land area: Fairfax covers 0.8 square miles, the 586th-largest area among Ohio's 924 places.
- Within Ohio: about 0.0% of the state's population lives in Fairfax.
- National rank: Fairfax is 8,140th of 19,457 places nationwide.
- Growth rank: Fairfax's 2020-to-2023 change ranks 585th of 924 places in Ohio.
- Versus Ohio: the state average change is +0.9%, while Fairfax moved 1.4%.
- Density rank: Fairfax places 152nd among Ohio's places by people per square mile.
- Density in context: Fairfax's 2,237 people per square mile sit against a Ohio median of 1,289.
- Location: 39.1432, -84.3972 (Census Gazetteer coordinates).
- Nearest larger cities: Mariemont (1 mi); Newtown (3 mi); Silverton (3 mi); Madeira (3 mi); Norwood (3 mi). A branch is convenient; it is not what sets your APR.
- Smaller places nearby: Woodlawn (5 mi); Arlington Heights (6 mi); Silver Grove (7 mi).
- Smaller neighbours: 79 places smaller than Fairfax sit within 50 miles.
- Larger places within 100 miles: 276.
Fairfax on the map
Fairfax covers about 0.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 1,743 residents, the land area yields roughly 2,237 people per square mile. For the state's biggest city, Columbus, the distance is roughly 95 miles. A 50-mile radius around Fairfax takes in 119 places that are larger. The 100-mile radius contains 276 larger places.
Lender access in Fairfax
Fairfax is a fairly dense community of about 1,743 people, with 119 larger places inside a 50-mile radius. Lenders licensed in Ohio reach Fairfax's 1,743 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Mariemont, OH about 1 miles away.
The state rulebook for Fairfax
These are Ohio's sourced lending facts as they reach Fairfax's 1,743 residents; the state has no city-level rate rule.
| 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 |
How a Fairfax personal loan is priced
In Fairfax, a small community of about 1,743, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Fairfax loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Fairfax loan but raises total interest, so the smallest payment is not the cheapest loan.
How Fairfax compares across Ohio
Set beside Ohio's 924 places, Fairfax ranks 419th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 585th of 924 Ohio places, putting it near the 37th percentile for growth. Its roughly 2,237 residents per square mile place it 152nd among Ohio's places. Within 50 miles sit 79 smaller Census places, alongside the 119 that are larger.
Common questions
What are my options in Fairfax if my credit is poor?
What loan size can I expect in Fairfax?
Do I have to pledge anything to borrow in Fairfax?
Does comparing loans in Fairfax cost me credit score points?
Nearby places
- Mariemont, OH — population 3,441
- Silverton, OH — population 4,812
- Madeira, OH — population 9,423
- Newtown, OH — population 2,655
- Norwood, OH — population 19,046
- Deer Park, OH — population 5,336
- Golf Manor, OH — population 3,754
- Amberley, OH — population 3,805