Personal loans in Grafton, OH

With an estimated 5,773 residents, Grafton is the 241st-largest of 924 places in Ohio. Read the disclosure for an origination fee and any prepayment penalty before signing in Grafton. Consumer lending that reaches Grafton's 5,773 residents is governed by Ohio statute; no city ordinance changes it. The closest larger place is North Ridgeville, OH about 7 miles away.

Local context for Grafton

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

• Population: 5,773 residents; Grafton is the 241st-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
• Population trend: About 2.2% below the 2020 Census base.
• People gained or lost: about 127 fewer since the 2020 base.
• Size percentile: with 5,773 residents, Grafton is larger than about 74% of Ohio's Census places.
• Population density: 1,171 people per square mile on 4.9 square miles of land.
• Land area: Grafton covers 4.9 square miles, the 207th-largest area among Ohio's 924 places.
• Water area: Grafton has 0.03 square miles of water, ranking 275th of 924 places in Ohio.
• Within Ohio: about 0.1% of the state's population lives in Grafton.
• National rank: Grafton sits 4,453rd by population among the 19,457 places in this dataset.
• Growth rank: Grafton ranks 757th among Ohio's 924 places for the 2020-to-2023 change.
• Versus Ohio: the state average change is +0.9%, while Grafton moved 2.2%.
• Density in Ohio: Grafton ranks 526th by people per square mile.
• Density vs Ohio: Grafton's 1,171 people per square mile compare with a state median of 1,289.
• Location: coordinates 41.2841, -82.0300 (US Census Bureau Gazetteer).
• Nearest larger cities: North Ridgeville (7 mi); Elyria (7 mi); Olmsted Falls (9 mi); Oberlin (10 mi); Strongsville (10 mi). Lenders licensed in the state serve Grafton whether or not they keep a local branch.
• Smaller communities within reach: LaGrange (5 mi); South Amherst (11 mi); Sheffield (12 mi).
• Within a 50-mile radius: 102 smaller Census places.
• Within 100 miles: 188 places are larger than Grafton.

The Ohio lending rules that reach Grafton

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

Grafton against the rest of Ohio

Against Ohio's other places, Grafton accounts for about 0.1% of the state's population and ranks 241st of 924 by size. Its 2020-to-2023 change ranks 757th of 924 Ohio places, putting it near the 18th percentile for growth. At about 1,171 people per square mile, Grafton is the 526th most densely settled place in Ohio. Within 50 miles sit 102 smaller Census places, alongside the 91 that are larger.

Before you apply in Grafton

These steps shape the offer you get in Grafton, a place of about 5,773 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
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. Check the Ohio regulator's records to confirm the lender is licensed here.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Test the payment against your current bills before you commit.

The process is identical across Ohio; what changes is your credit file, not the fact that Grafton holds 5,773 people.

What a Grafton borrower is actually offered

With roughly 5,773 residents, Grafton is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Grafton's 5,773 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Grafton decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Grafton

The Census Gazetteer records 4.9 square miles of land and 0.03 square miles of water within Grafton. Spread across it are roughly 1,171 residents per square mile. The largest place in Ohio, Columbus, lies about 103 miles away. Counting outward 50 miles, 91 larger communities surround Grafton. By land area it ranks 207th of 924 Ohio places.