Personal loans in Groveport, OH
The first question in Groveport is not the rate on offer but whether the payment fits; about 5,806 people live here under Ohio lending law. The Census estimates 5,806 residents in Groveport, which ranks it 240th of 924 places in Ohio. A 2020-to-2023 comparison shows Groveport down by about 3.4%. Consumer lending that reaches Groveport's 5,806 residents is governed by Ohio statute; no city ordinance changes it. For a community of about 5,806, the practical step is to compare APR across at least three lenders before committing. The closest larger city is Obetz, OH about 3 miles away.
Where Groveport stands
Two layers matter for a Groveport borrower: the local population picture and Ohio's consumer-lending statutes.
- Population: about 5,806, ranked 240th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 3.4% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 203 residents.
- Size percentile: about 74% of Ohio's Census places are smaller than Groveport.
- Population density: 667 people per square mile on 8.7 square miles of land.
- By land area: Groveport ranks 122nd among Ohio's 924 places, at 8.7 sq mi.
- Water: Groveport holds about 0.23 square miles, the 58th-largest water area in Ohio.
- State share: roughly 0.1% of Ohio's residents live in Groveport (5,806 people).
- National rank: Groveport sits 4,440th by population among the 19,457 places in this dataset.
- Growth rank: Groveport's 2020-to-2023 change ranks 904th of 924 places in Ohio.
- Against the state trend: Groveport's 3.4% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: Groveport is the 760th most densely settled place in Ohio.
- Density in context: Groveport's 667 people per square mile sit against a Ohio median of 1,289.
- Location: 39.8573, -82.8914 (US Census Bureau Gazetteer).
- Nearest larger cities: Obetz (3 mi); Canal Winchester (4 mi); Pickerington (7 mi); Whitehall (8 mi); Bexley (8 mi). Lenders licensed in the state serve Groveport whether or not they keep a local branch.
- Nearest smaller towns: Lithopolis (5 mi); Brice (5 mi); Lockbourne (6 mi) — useful context for the surrounding area.
- Smaller neighbours: 109 places smaller than Groveport sit within 50 miles.
- At 100 miles: 126 larger Census places fall inside that radius.
Land, water and location for Groveport
The Census Gazetteer records 8.7 square miles of land and 0.23 square miles of water within Groveport. Spread across it are roughly 667 residents per square mile. The state's population centre of gravity, Columbus, is roughly 10 miles away. A 50-mile radius around Groveport takes in 34 places that are larger. The 100-mile radius contains 126 larger places.
Which Ohio laws govern a loan in Groveport
Ohio has no separate rate rule for Groveport; the sourced rows below are what reach every lender that serves its 5,806 people.
| 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 |
| 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 |
| 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 |
What to do before borrowing in Groveport
A sensible order of operations for a loan in Groveport, home to about 5,806 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Look the lender up in the Ohio regulator's licence records before you sign.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Borrow only what the purpose requires, not the maximum you are offered.
- Be clear on what the loan is for and how it gets repaid.
None of these steps is Groveport-specific: the same Ohio licensing and disclosure rules reach all 5,806 residents.
Groveport in state context
Groveport is the 240th-largest of 924 Census places in Ohio and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Groveport stands 904th among Ohio's 924 places — roughly the 2th percentile. Its roughly 667 residents per square mile place it 760th among Ohio's places. By land area, its 8.7 square miles rank 122nd of 924 places in Ohio.
What is available to Groveport borrowers
At roughly 667 people per square mile, Groveport is moderately settled; 34 larger places lie within 50 miles. Distance to a branch rarely matters for Groveport's 5,806 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Obetz, OH about 3 miles away.
Common questions
What are my options in Groveport if my credit is poor?
What loan size can I expect in Groveport?
Do I have to pledge anything to borrow in Groveport?
Does comparing loans in Groveport cost me credit score points?
Nearby places
- Obetz, OH — population 6,971
- Canal Winchester, OH — population 9,777
- Brice, OH — population 91
- Lithopolis, OH — population 2,708
- Lockbourne, OH — population 229
- Whitehall, OH — population 19,727
- Bexley, OH — population 12,785
- Pickerington, OH — population 25,256