Personal loans in Hills and Dales, OH

Hills and Dales ranks 785th of 924 places in Ohio, with a population near 245. Hills and Dales shed about 2.4% of its population between the 2020 base and the 2023 estimate.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

A personal loan in Hills and Dales is priced from your credit file and income, not from the fact that the city holds 245 people. State law, not city hall, decides what a lender may do to Hills and Dales's roughly 245 residents, and a state regulator supervises it. Verify the lender's Ohio licence against the regulator named below before borrowing in Hills and Dales. The nearest larger metro is Meyers Lake, OH about 2 miles away.

The Hills and Dales data picture

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

Hills and Dales in state context

Hills and Dales is the 785th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 790th of 924 Ohio places, putting it near the 15th percentile for growth. Its roughly 790 residents per square mile place it 700th among Ohio's places. In land area, Hills and Dales ranks 773rd among Ohio's 924 places.

Ohio rules behind a Hills and Dales personal loan

When Ohio does not publish a figure, the row links to the source instead of inventing a number; Hills and Dales is bound by the same rules.

RuleDetailSource
State lending regulatorOhio 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 licensingConsumer 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

Getting a loan in Hills and Dales

Hills and Dales is a moderately settled community of about 245 people, with 203 larger places inside a 50-mile radius. A Ohio licence lets a lender serve Hills and Dales without a local office, so branch density does not change what its 245 residents are offered. The nearest larger city, Meyers Lake, OH about 2 miles away.

The Hills and Dales borrowing checklist

These steps shape the offer you get in Hills and Dales, a place of about 245 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Verify the lender's Ohio licence with the regulator listed on this page.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Pick the shortest term whose payment you can comfortably afford.

The process is identical across Ohio; what changes is your credit file, not the fact that Hills and Dales holds 245 people.

Land, water and location for Hills and Dales

Inside Hills and Dales's boundaries lie about 0.3 square miles of land, with no significant water area recorded. That land carries about 790 people per square mile. For the state's biggest city, Columbus, the distance is roughly 100 miles. Hills and Dales has 203 larger places within a 50-mile radius. Within the same 50 miles lie 23 smaller Census places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Hills and Dales 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 Hills and Dales is the same as anywhere in Ohio.
What loan size can I expect in Hills and Dales?
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 Hills and Dales?
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 Hills and Dales 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

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