Personal loans in Hoytville, OH
State law, not city hall, decides what a lender may do to Hoytville's roughly 227 residents, and a state regulator supervises it. Hoytville is one of 924 Census places in Ohio; its 227 residents put it at 800th.
Hoytville is a small community in Ohio, with an estimated 227 residents, and every licensed lender here follows the same state rulebook. Hoytville added about 1.3% to its population between the 2020 base and the 2023 estimate. Read the disclosure for an origination fee and any prepayment penalty before signing in Hoytville. The closest larger city is McComb, OH about 6 miles away.
What the Census records for Hoytville
The figures below are Hoytville's own — Census population, land area and coordinates — followed by the Ohio rules.
- Population: about 227 people live here, which puts Hoytville 800th of 924 Census places in Ohio (Vintage 2023).
- Population trend: Up about 1.3% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 3 more since the 2020 base.
- Size percentile: roughly 13% of Ohio's places have fewer residents than Hoytville's 227.
- Population density: about 306 people per square mile (Census land area 0.7 sq mi).
- By land area: Hoytville ranks 592nd among Ohio's 924 places, at 0.7 sq mi.
- Water: Hoytville holds about 0.01 square miles, the 367th-largest water area in Ohio.
- Within Ohio: about 0.0% of the state's population lives in Hoytville.
- National rank: Hoytville is 16,064th of 19,457 places nationwide.
- Growth in Ohio: Hoytville stands 118th by percentage change from 2020 to 2023, among 924 places.
- Versus Ohio: the state average change is +0.9%, while Hoytville moved 1.3%.
- Density rank: Hoytville places 871st among Ohio's places by people per square mile.
- Density vs Ohio: Hoytville's 306 people per square mile compare with a state median of 1,289.
- Location: the Census Gazetteer records it at 41.1904, -83.7849.
- Nearest larger cities: McComb (6 mi); North Baltimore (6 mi); Deshler (6 mi); Van Buren (8 mi); Cygnet (8 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities within reach: Custar (7 mi); Milton Center (8 mi); Belmore (9 mi).
- Smaller neighbours: 28 places smaller than Hoytville sit within 50 miles.
- At 100 miles: 521 larger Census places fall inside that radius.
Hoytville on the map
Hoytville's land area is about 0.7 square miles; a further 0.01 square miles is water. That land carries about 306 people per square mile. The largest place in Ohio, Columbus, lies about 93 miles away. Within 50 miles of Hoytville there are 135 larger Census places. Within the same 50 miles lie 28 smaller Census places.
Hoytville against the rest of Ohio
Against Ohio's other places, Hoytville accounts for about 0.0% of the state's population and ranks 800th of 924 by size. For population change between 2020 and 2023, Hoytville ranks 118th of 924 in Ohio (about the 87th percentile). At about 306 people per square mile, Hoytville is the 871st most densely settled place in Ohio. Between 2020 and 2023 the count changed by roughly 3 residents.
Ohio rules behind a Hoytville personal loan
Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Hoytville lender must follow.
| 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 |
Steps to take before a Hoytville loan
A sensible order of operations for a loan in Hoytville, home to about 227 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Test your amount and term in the personal loan calculator first.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the Ohio licence with the regulator named above before committing.
- Check that the monthly payment fits your budget next to your existing obligations.
- Pick the shortest term whose payment you can comfortably afford.
- Borrow only what the purpose requires, not the maximum you are offered.
What differs between Hoytville and the rest of Ohio is not the process but the borrower's own file, among the 227 people here.
What is available to Hoytville borrowers
Hoytville is lightly settled, with about 306 people per square mile and 135 larger places within 50 miles. What is available to Hoytville's 227 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest bigger place is McComb, OH about 6 miles away.
Common questions
What are my options in Hoytville if my credit is poor?
What loan size can I expect in Hoytville?
Do I have to pledge anything to borrow in Hoytville?
Does comparing loans in Hoytville cost me credit score points?
Nearby places
- McComb, OH — population 1,532
- Custar, OH — population 178
- North Baltimore, OH — population 3,392
- Milton Center, OH — population 134
- Deshler, OH — population 1,567
- Van Buren, OH — population 570
- Cygnet, OH — population 548
- Weston, OH — population 1,472