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Personal loans in Ithaca, OH

The trend for Ithaca between 2020 and 2023 is downward by roughly 1.2%. Roughly 85 residents live in Ithaca, the 909th-largest community in Ohio. For a borrower among the roughly 85 residents of Ithaca, a personal loan is a tool whose cost turns on the terms, not the address. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ithaca loan. For the 85 people in Ithaca, Ohio runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger city is Gordon, OH about 2 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.

Ithaca by the numbers

What follows is Ithaca's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

Which Ohio laws govern a loan in Ithaca

Ohio has no separate rate rule for Ithaca; the sourced rows below are what reach every lender that serves its 85 people.

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

Ithaca on the map

Ithaca's land area is roughly 0.0 square miles, and the Gazetteer records no significant water area within it. That land carries about 2,742 people per square mile. The largest place in Ohio, Columbus, lies about 83 miles away. Counting outward 50 miles, 199 larger communities surround Ithaca. The 100-mile radius contains 649 larger places.

What a Ithaca borrower is actually offered

Most loans made to Ithaca's 85 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Ithaca lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Ithaca loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Ithaca

At roughly 2,742 people per square mile, Ithaca is fairly dense; 199 larger places lie within 50 miles. A Ohio licence lets a lender serve Ithaca without a local office, so branch density does not change what its 85 residents are offered. The nearest bigger place is Gordon, OH about 2 miles away.

Where Ithaca sits in Ohio

Set beside Ohio's 924 places, Ithaca ranks 909th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Ithaca ranks 507th of 924 in Ohio (about the 45th percentile). At about 2,742 people per square mile, Ithaca is the 81st most densely settled place in Ohio. By land area, its 0.0 square miles rank 922nd of 924 places in Ohio.

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

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