Personal loans in Flushing, OH

Roughly 807 residents live in Flushing, the 571st-largest community in Ohio. Population in Flushing dropped about 2.5% over the three years from 2020 to 2023.

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.

The roughly 807 people who live in Flushing borrow under Ohio rules; city hall sets no personal-loan rate. To lend to Flushing's 807 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. Rate-shopping from Flushing costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The nearest larger city is Cadiz, OH about 8 miles away.

Flushing: population, trend and location

What follows is Flushing's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

What Ohio law requires in Flushing

Read the table as a lender's compliance picture for Flushing: the rule, the sourced figure, the publisher and the date.

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 geography behind Flushing

Flushing covers about 0.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,314 residents per square mile. The largest place in Ohio, Columbus, lies about 102 miles away. Flushing has 77 larger places within a 50-mile radius. Within the same 50 miles lie 87 smaller Census places.

Flushing's place among Ohio's 924 places

Set beside Ohio's 924 places, Flushing ranks 571st by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Flushing ranks 817th of 924 in Ohio (about the 12th percentile). At about 1,314 people per square mile, Flushing is the 450th most densely settled place in Ohio. Within 50 miles sit 87 smaller Census places, alongside the 77 that are larger.

A pre-application checklist for Flushing

For Flushing's roughly 807 residents, these are the steps that most influence the offer:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the lender holds a Ohio licence by checking the regulator named above.
  5. Test the payment against your current bills before you commit.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Borrow only what the purpose requires, not the maximum you are offered.

What differs between Flushing and the rest of Ohio is not the process but the borrower's own file, among the 807 people here.

How personal loans work in Flushing

A Flushing personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 807 residents. Because pricing is borrower-level, two people in Flushing can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Flushing loan but raises total interest, so the smallest payment is not the cheapest loan.

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

Nearby places

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