Personal loans in Granville, OH
The first question in Granville is not the rate on offer but whether the payment fits; about 6,281 people live here under Ohio lending law. About 6,281 people live in Granville, placing it 229th of 924 Census places in Ohio.
Decide the purpose of the loan and your repayment plan before sharing any details with a Granville lender. Granville gained roughly 5.6% in population across the 2020-to-2023 comparison. Which products a lender may offer to Granville's 6,281 residents follows from the Ohio consumer-lending framework. For a bigger market, look to Heath, OH about 4 miles away.
Granville by the numbers
Two layers matter for a Granville borrower: the local population picture and Ohio's consumer-lending statutes.
- Population: a Census-estimated 6,281, 229th among Ohio's 924 places (Vintage 2023).
- Population trend: About 5.6% above the 2020 Census base.
- Net change: roughly 331 more people than the 2020 Census counted.
- Size percentile: roughly 75% of Ohio places rank below Granville.
- Population density: 1,306 people per square mile on 4.8 square miles of land.
- Land area: Granville covers 4.8 square miles, the 211th-largest area among Ohio's 924 places.
- Water: Granville holds about 0.05 square miles, the 223rd-largest water area in Ohio.
- State population share: Granville accounts for about 0.1% of everyone in Ohio.
- National rank: Granville is the 4,252nd most populous of the 19,457 Census places covered here.
- Growth rank: Granville's 2020-to-2023 change ranks 31st of 924 places in Ohio.
- Against the state trend: Granville's 5.6% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: Granville places 453rd among Ohio's places by people per square mile.
- Against the state median: Granville runs about 1,306 residents per square mile, where the Ohio median is 1,289.
- Location: the Census Gazetteer records it at 40.0568, -82.5041.
- Nearest larger cities: Heath (4 mi); Newark (4 mi); Pataskala (12 mi); New Albany (15 mi); Reynoldsburg (16 mi). Online lenders reach Granville no matter how far the nearest branch is.
- Nearest smaller towns: Alexandria (6 mi); Hebron (6 mi); Buckeye Lake (8 mi).
- Smaller places within 50 miles: 112 of them.
- At 100 miles: 130 larger Census places fall inside that radius.
Granville's place among Ohio's 924 places
Among Ohio's 924 places, Granville sits at 229th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Granville ranks 31st of 924 in Ohio (about the 97th percentile). Its roughly 1,306 residents per square mile place it 453rd among Ohio's places. Between 2020 and 2023 the count changed by roughly 331 residents.
How lenders reach Granville
Granville is moderately settled, with about 1,306 people per square mile and 34 larger places within 50 miles. What is available to Granville's 6,281 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 Heath, OH about 4 miles away.
Ohio consumer-lending rules applied in Granville
These are Ohio's sourced lending facts as they reach Granville's 6,281 residents; the state has no city-level rate rule.
| 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 |
| 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 status | Legal 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 |
Granville on the map
Granville's land area is about 4.8 square miles; a further 0.05 square miles is water. With 6,281 residents, the land area yields roughly 1,306 people per square mile. For the state's biggest city, Columbus, the distance is roughly 26 miles. Counting outward 50 miles, 34 larger communities surround Granville. Within the same 50 miles lie 112 smaller Census places.
What a Granville borrower is actually offered
With roughly 6,281 residents, Granville is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Granville loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Granville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
What are my options in Granville if my credit is poor?
What loan size can I expect in Granville?
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Does comparing loans in Granville cost me credit score points?
Nearby places
- Heath, OH — population 10,693
- Newark, OH — population 51,046
- Hebron, OH — population 2,384
- Alexandria, OH — population 490
- Buckeye Lake, OH — population 2,558
- St. Louisville, OH — population 363
- Kirkersville, OH — population 477
- Millersport, OH — population 975