Personal loans in Holland, OH

A lender serving Holland holds a Ohio licence and answers to a Ohio regulator; no city office is involved for its 1,794 residents. By population, Holland sits at 414th in Ohio, with an estimated 1,794 residents.

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.

Decide the purpose of the loan and your repayment plan before sharing any details with a Holland lender. Holland lost roughly 1.6% of its population across the 2020-to-2023 comparison. To lend to Holland's 1,794 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. The next larger city is Maumee, OH about 4 miles away.

Holland: population, trend and location

Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.

Inside a Holland personal loan

Holland is a small community of about 1,794 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Holland's rank of 414th in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Holland loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The Ohio lending rules that reach Holland

When Ohio does not publish a figure, the row links to the source instead of inventing a number; Holland 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

What is available to Holland borrowers

At roughly 1,816 people per square mile, Holland is moderately settled; 60 larger places lie within 50 miles. A Ohio licence lets a lender serve Holland without a local office, so branch density does not change what its 1,794 residents are offered. For a larger market, the closest option is Maumee, OH about 4 miles away.

Holland against the rest of Ohio

Set beside Ohio's 924 places, Holland ranks 414th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Holland stands 638th among Ohio's 924 places — roughly the 31th percentile. Its roughly 1,816 residents per square mile place it 252nd among Ohio's places. In land area, Holland ranks 525th among Ohio's 924 places.

Holland on the map

Inside Holland's boundaries lie about 1.0 square miles of land, with no significant water area recorded. With 1,794 residents, the land area yields roughly 1,816 people per square mile. Columbus, the largest place in Ohio, is about 119 miles from Holland. Within 50 miles of Holland there are 60 larger Census places. The 100-mile radius contains 261 larger 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 Holland 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 Holland is the same as anywhere in Ohio.
What loan size can I expect in Holland?
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 Holland?
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 Holland 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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