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.

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.

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.

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.

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
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
Small-loan / installment lender licensingConsumer 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.

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