Personal loans in Hartville, OH

The roughly 3,385 people who live in Hartville borrow under Ohio rules; city hall sets no personal-loan rate. Consumer lending that reaches Hartville's 3,385 residents is governed by Ohio statute; no city ordinance changes it.

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

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By population, Hartville sits at 313th in Ohio, with an estimated 3,385 residents. If debt is already a strain, a nonprofit credit counsellor can help Hartville residents before they take on more. The 2020 count to the 2023 estimate shows about 1.5% growth in Hartville. The closest larger place is North Canton, OH about 7 miles away.

The Hartville data picture

Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.

Population: 3,385 people, a figure that places Hartville 313th among the 924 Census places in Ohio (US Census Bureau, Vintage 2023).
Population trend: A rise of about 1.5% from 2020 to 2023.
Net change: roughly 50 more people than the 2020 Census counted.
Size percentile: about 66% of Ohio communities are smaller than Hartville (3,385 residents).
Population density: about 1,255 people per square mile across 2.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Hartville ranks 306th among Ohio's 924 places, at 2.7 sq mi.
Within Ohio: about 0.0% of the state's population lives in Hartville.
Nationally: Hartville is the 5,919th-largest of 19,457 Census places in the dataset.
Growth rank: Hartville ranks 106th among Ohio's 924 places for the 2020-to-2023 change.
Versus Ohio: the state average change is +0.9%, while Hartville moved 1.5%.
Density rank: Hartville is the 480th most densely settled place in Ohio.
Density vs Ohio: Hartville's 1,255 people per square mile compare with a state median of 1,289.
Location: 40.9615, -81.3351 (US Census Bureau Gazetteer).
Nearest larger cities: North Canton (7 mi); Green (7 mi); Mogadore (7 mi); Louisville (9 mi); Canton (11 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Nearest smaller places: Lakemore (6 mi); Hills and Dales (11 mi); Meyers Lake (11 mi).
Smaller places within 50 miles: 130 of them.
Within 100 miles: 244 places are larger than Hartville.

Hartville on the map

The Census Gazetteer records about 2.7 square miles of land within Hartville, with no significant water area listed. Spread across it are roughly 1,255 residents per square mile. For the state's biggest city, Columbus, the distance is roughly 110 miles. Hartville has 111 larger places within a 50-mile radius. By land area it ranks 306th of 924 Ohio places.

What Ohio law requires in Hartville

For the roughly 3,385 residents of Hartville, the rules below are Ohio's own; each row carries its publisher and retrieval date.

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

What is available to Hartville borrowers

At roughly 1,255 people per square mile, Hartville is moderately settled; 111 larger places lie within 50 miles. A Ohio licence lets a lender serve Hartville without a local office, so branch density does not change what its 3,385 residents are offered. The nearest larger city, North Canton, OH about 7 miles away.

What a Hartville borrower is actually offered

A Hartville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 3,385 residents. Because pricing is borrower-level, two people in Hartville can be quoted different APRs on the same amount and term. The term you choose in Hartville decides the split between a comfortable payment and the total interest you pay.

Steps to take before a Hartville loan

For Hartville's roughly 3,385 residents, these are the steps that most influence the offer:

Get your credit reports, dispute what is wrong, and only then start shopping.
Model the payment on the calculator before a lender models it for you.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Confirm the lender holds a Ohio licence by checking the regulator named above.
Be clear on what the loan is for and how it gets repaid.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
Read the disclosure for an origination fee and any prepayment penalty before signing.

None of these steps is Hartville-specific: the same Ohio licensing and disclosure rules reach all 3,385 residents.

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Common questions

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

What loan size can I expect in Hartville?

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 Hartville?

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 Hartville 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

North Canton, OH — population 17,637
Lakemore, OH — population 2,905
Mogadore, OH — population 3,799
Green, OH — population 27,338
Louisville, OH — population 9,700
Canton, OH — population 69,197
Tallmadge, OH — population 18,317
Meyers Lake, OH — population 721