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.
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.
- Population: about 7,568, ranked 205th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 0.9% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 67 residents.
- Size percentile: roughly 78% of Ohio places rank below Hubbard.
- Population density: about 1,878 people per square mile (Census land area 4.0 sq mi).
- By land area: Hubbard ranks 247th among Ohio's 924 places, at 4.0 sq mi.
- State share: roughly 0.1% of Ohio's residents live in Hubbard (7,568 people).
- National rank: Hubbard sits 3,803rd by population among the 19,457 places in this dataset.
- Growth in Ohio: Hubbard stands 434th by percentage change from 2020 to 2023, among 924 places.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Hubbard's 0.9%.
- Density rank: Hubbard places 236th among Ohio's places by people per square mile.
- Against the state median: Hubbard runs about 1,878 residents per square mile, where the Ohio median is 1,289.
- Location: coordinates 41.1581, -80.5647 (US Census Bureau Gazetteer).
- Nearest larger cities: Campbell (6 mi); Youngstown (6 mi); Sharon (6 mi); Girard (7 mi); Struthers (8 mi). A branch is convenient; it is not what sets your APR.
- Smaller places close by: Wheatland (4 mi); Farrell (5 mi); West Middlesex (6 mi).
- Smaller neighbours: 171 places smaller than Hubbard sit within 50 miles.
- Larger places within 100 miles: 140.
Steps to take before a Hubbard loan
Complete these steps first when you borrow in Hubbard (7,568 residents):
- Start with the credit file: order the reports, fix the errors, then apply.
- Test your amount and term in the personal loan calculator first.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a Ohio licence by checking the regulator named above.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- 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.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer 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.
Common questions
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Nearby places
- Wheatland, PA — population 569
- Campbell, OH — population 7,745
- Farrell, PA — population 4,160
- Sharon, PA — population 12,813
- Youngstown, OH — population 59,108
- Yankee Lake, OH — population 74
- West Middlesex, PA — population 794
- Struthers, OH — population 9,916