Personal loans in Glouster, OH

In Glouster, one of 924 Census places in Ohio, the figure to compare across lenders is the APR, not the advertised rate. Glouster lost roughly 2.0% of its population across the 2020-to-2023 comparison.

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

Compare loan offers Run the numbers first

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Glouster ranks 433rd of 924 places in Ohio, with a population near 1,629. If debt is already a strain, a nonprofit credit counsellor can help Glouster residents before they take on more. A lender that serves Glouster operates under Ohio lending statutes and a Ohio supervisor. The nearest larger metro is Nelsonville, OH about 8 miles away.

Local context for Glouster

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

Population: 1,629 people, a figure that places Glouster 433rd among the 924 Census places in Ohio (US Census Bureau, Vintage 2023).
Population trend: About 2.0% below the 2020 Census base.
People gained or lost: about 34 fewer since the 2020 base.
Size percentile: about 53% of Ohio's Census places are smaller than Glouster.
Density: roughly 1,244 residents per square mile, spread over 1.3 sq mi of land.
Land area: Glouster covers 1.3 square miles, the 451st-largest area among Ohio's 924 places.
Water area rank: Glouster ranks 345th among Ohio's 924 places, with 0.01 sq mi.
Share of state population: Glouster's 1,629 residents are about 0.0% of Ohio.
Nationally: Glouster is the 8,397th-largest of 19,457 Census places in the dataset.
Growth in Ohio: Glouster stands 730th by percentage change from 2020 to 2023, among 924 places.
State comparison: Ohio's places average +0.9% for 2020-to-2023, against Glouster's 2.0%.
Density in Ohio: Glouster ranks 486th by people per square mile.
Density in context: Glouster's 1,244 people per square mile sit against a Ohio median of 1,289.
Location: it lies at 39.5023, -82.0841 in the Census Gazetteer.
Nearest larger cities: Nelsonville (8 mi); Athens (12 mi); New Lexington (16 mi); McConnelsville (17 mi); Logan (17 mi). Larger metros often have more branches, but online lenders reach Glouster on the same terms.
Smaller communities close by: Trimble (1 mi); Jacksonville (2 mi); Murray City (5 mi), each with its own Census population profile.
Within a 50-mile radius: 79 smaller Census places.
Within 100 miles: 171 places are larger than Glouster.

Before you apply in Glouster

Complete these steps first when you borrow in Glouster (1,629 residents):

Start with the credit file: order the reports, fix the errors, then apply.
Model the payment on the calculator before a lender models it for you.
Shop at least three lenders and judge them on APR and total cost.
Make sure the lender appears in the Ohio regulator's licence list.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
Look for an origination fee or prepayment penalty in the written disclosure.
Test the payment against your current bills before you commit.

None of these steps is Glouster-specific: the same Ohio licensing and disclosure rules reach all 1,629 residents.

Land, water and location for Glouster

The Census Gazetteer records 1.3 square miles of land and 0.01 square miles of water within Glouster. With 1,629 residents, the land area yields roughly 1,244 people per square mile. The state's population centre of gravity, Columbus, is roughly 58 miles away. Counting outward 50 miles, 43 larger communities surround Glouster. By land area it ranks 451st of 924 Ohio places.

What Ohio law requires in Glouster

Below are the Ohio rules that apply to a loan made in Glouster, each with the regulator that issued it.

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
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
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

Inside a Glouster personal loan

A Glouster personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,629 residents. Federal Truth in Lending rules require a Glouster lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Glouster loan but raises total interest, so the smallest payment is not the cheapest loan.

What is available to Glouster borrowers

At roughly 1,244 people per square mile, Glouster is moderately settled; 43 larger places lie within 50 miles. Lenders licensed in Ohio reach Glouster's 1,629 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Nelsonville, OH about 8 miles away.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Glouster 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 Glouster is the same as anywhere in Ohio.

What loan size can I expect in Glouster?

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 Glouster?

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 Glouster 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

Trimble, OH — population 322
Jacksonville, OH — population 396
Murray City, OH — population 336
Corning, OH — population 485
Buchtel, OH — population 513
Chauncey, OH — population 944
Hemlock, OH — population 145
Nelsonville, OH — population 4,518