Personal loans in Frazeysburg, OH

Census figures show Frazeysburg holding steady across 2020 to 2023. Frazeysburg is a small community in Ohio, with an estimated 1,352 residents, and every licensed lender here follows the same state rulebook.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Frazeysburg is home to roughly 1,352 people and stands 470th by size out of 924 Census places in Ohio. The closest larger city is Dresden, OH about 6 miles away. Which products a lender may offer to Frazeysburg's 1,352 residents follows from the Ohio consumer-lending framework. Read the disclosure for an origination fee and any prepayment penalty before signing in Frazeysburg.

Frazeysburg by the numbers

Here is the sourced Census picture for Frazeysburg, plus the Ohio lending rules that apply to a loan taken out here.

Frazeysburg: area, density and distance

Frazeysburg's land area is roughly 1.0 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,316 people per square mile. For the state's biggest city, Columbus, the distance is roughly 47 miles. Frazeysburg has 65 larger places within a 50-mile radius. By land area it ranks 513th of 924 Ohio places.

How Ohio law applies in Frazeysburg

These are Ohio's sourced lending facts as they reach Frazeysburg's 1,352 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
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

Frazeysburg against the rest of Ohio

Against Ohio's other places, Frazeysburg accounts for about 0.0% of the state's population and ranks 470th of 924 by size. For population change between 2020 and 2023, Frazeysburg ranks 242nd of 924 in Ohio (about the 74th percentile). At about 1,316 people per square mile, Frazeysburg is the 449th most densely settled place in Ohio. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

A practical checklist for Frazeysburg borrowers

Before you hand your details to a lender in Frazeysburg, where the population is near 1,352:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Make sure the lender appears in the Ohio regulator's licence list.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Test the payment against your current bills before you commit.
  7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Frazeysburg-specific: the same Ohio licensing and disclosure rules reach all 1,352 residents.

How lenders reach Frazeysburg

Frazeysburg is moderately settled, with about 1,316 people per square mile and 65 larger places within 50 miles. What is available to Frazeysburg's 1,352 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Dresden, OH about 6 miles away.

Compare personal loan offers Run the numbers first

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