Personal loans in Hubbard, OH

Two households in Hubbard with comparable incomes can still be offered different rates; the city's 7,568 residents are not the reason. A lender that serves Hubbard operates under Ohio lending statutes and a Ohio supervisor. The Census counts 7,568 people in Hubbard, the 205th-largest figure among Ohio's 924 places. Compare APR, not the interest rate, because the APR folds in most fees on a Hubbard loan. From the 2020 Census base to the 2023 estimate, the population declined by about 0.9%. The nearest larger metro is Campbell, OH about 6 miles away.

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.

What the Census records for Hubbard

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

Steps to take before a Hubbard loan

Complete these steps first when you borrow in Hubbard (7,568 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the lender holds a Ohio licence by checking the regulator named above.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Make sure the new payment leaves room in a budget you already keep.

In Hubbard as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 7,568 residents.

Hubbard: area, density and distance

Hubbard's land area is roughly 4.0 square miles, and the Gazetteer records no significant water area within it. With 7,568 residents, the land area yields roughly 1,878 people per square mile. The state's population centre of gravity, Columbus, is roughly 151 miles away. Hubbard has 35 larger places within a 50-mile radius. The 100-mile radius contains 140 larger places.

Where Hubbard sits in Ohio

Against Ohio's other places, Hubbard accounts for about 0.1% of the state's population and ranks 205th of 924 by size. On the 2020-to-2023 trend, Hubbard stands 434th among Ohio's 924 places — roughly the 53th percentile. Its roughly 1,878 residents per square mile place it 236th among Ohio's places. The population moved by about 67 people between 2020 and 2023, a 0.9% shift.

Which Ohio laws govern a loan in Hubbard

For the roughly 7,568 residents of Hubbard, the rules below are Ohio's own; each row carries its publisher and retrieval date.

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
Payday lending statusLegal 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 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

How lenders reach Hubbard

Hubbard is a moderately settled community of about 7,568 people, with 35 larger places inside a 50-mile radius. A Ohio licence lets a lender serve Hubbard without a local office, so branch density does not change what its 7,568 residents are offered. The nearest larger city, Campbell, OH about 6 miles away.

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 Hubbard 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 Hubbard is the same as anywhere in Ohio.
What loan size can I expect in Hubbard?
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 Hubbard?
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 Hubbard 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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