Personal loans in Fredericktown, OH

For the 2,619 people in Fredericktown, Ohio runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. By population, Fredericktown sits at 354th in Ohio, with an estimated 2,619 residents.

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.

Fredericktown, Ohio — home to about 2,619 people — is a small community, so the terms you are offered follow Ohio law rather than any local rule. A 2020-to-2023 comparison shows Fredericktown down by about 1.1%. Begin with the payment, then weigh APR and total interest across the lenders that reach Fredericktown's 2,619 residents. The nearest larger metro is Mount Vernon, OH about 8 miles away.

Local context for Fredericktown

Two layers matter for a Fredericktown borrower: the local population picture and Ohio's consumer-lending statutes.

Ohio consumer-lending rules applied in Fredericktown

Ohio has no separate rate rule for Fredericktown; the sourced rows below are what reach every lender that serves its 2,619 people.

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

Getting a loan in Fredericktown

Fredericktown is a moderately settled community of about 2,619 people, with 49 larger places inside a 50-mile radius. Distance to a branch rarely matters for Fredericktown's 2,619 residents: the application is online and the price follows your credit file. The nearest bigger place is Mount Vernon, OH about 8 miles away.

Fredericktown's place among Ohio's 924 places

Fredericktown is the 354th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Fredericktown stands 483rd among Ohio's 924 places — roughly the 48th percentile. By density, at about 1,320 people per square mile, it ranks 446th in Ohio. Within 50 miles sit 104 smaller Census places, alongside the 49 that are larger.

Inside a Fredericktown personal loan

Fredericktown is a small community of about 2,619 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Fredericktown. Because the payment is fixed, the total cost of a Fredericktown loan is knowable in advance — unlike a revolving card balance.

Where Fredericktown sits

The Census Gazetteer records 2.0 square miles of land and 0.09 square miles of water within Fredericktown. With 2,619 residents, the land area yields roughly 1,320 people per square mile. Columbus, the largest place in Ohio, is about 41 miles from Fredericktown. Within 50 miles of Fredericktown there are 49 larger Census places. Within the same 50 miles lie 104 smaller Census places.

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