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Personal loans in Irondale, OH

With roughly 316 residents, Irondale is a small community, and the lending rules its borrowers live under are written in Ohio, not by the city. Roughly 316 residents live in Irondale, the 744th-largest community in Ohio. The trend for Irondale between 2020 and 2023 is downward by roughly 2.8%. Lenders active in Irondale report to a Ohio supervisor, identified in the sourced rows below. Rate-shopping from Irondale costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The next larger city is Wellsville, OH about 4 miles away.

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

Compare loan offers Run the numbers first

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.

Where Irondale stands

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

What is available to Irondale borrowers

With about 218 residents per square mile, Irondale is lightly settled, and 249 larger Census places sit within 50 miles. Distance to a branch rarely matters for Irondale's 316 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Wellsville, OH about 4 miles away.

Irondale: area, density and distance

Irondale's land area is about 1.4 square miles; a further 0.03 square miles is water. The resulting density is about 218 people per square mile. The largest place in Ohio, Columbus, lies about 126 miles away. Counting outward 50 miles, 249 larger communities surround Irondale. By land area it ranks 431st of 924 Ohio places.

Irondale against the rest of Ohio

Against Ohio's other places, Irondale accounts for about 0.0% of the state's population and ranks 744th of 924 by size. On the 2020-to-2023 trend, Irondale stands 855th among Ohio's 924 places — roughly the 7th percentile. Its roughly 218 residents per square mile place it 897th among Ohio's places. In land area, Irondale ranks 431st among Ohio's 924 places.

How a Irondale personal loan is priced

A Irondale personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 316 residents. Because pricing is borrower-level, two people in Irondale can be quoted different APRs on the same amount and term. The term you choose in Irondale decides the split between a comfortable payment and the total interest you pay.

The Ohio lending rules that reach Irondale

This table holds the Ohio rate and licensing rules for consumer loans made to Irondale's 316 residents.

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
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 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
Compare personal loan offers Run the numbers first

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