Personal loans in Jerusalem, OH

Jerusalem is a small community of about 122 residents, and a personal loan taken out here is governed by Ohio statute. The 2020 count to the 2023 estimate shows about 1.6% decline in Jerusalem.

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.

Jerusalem ranks 884th of 924 places in Ohio, with a population near 122. Begin with the payment, then weigh APR and total interest across the lenders that reach Jerusalem's 122 residents. For the 122 people in Jerusalem, Ohio runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. A larger market lies at Wilson, OH about 2 miles away.

The Jerusalem data picture

Most of what governs a Jerusalem loan is written in Ohio law rather than in the city; the sourced notes below make that split concrete.

Where Jerusalem sits in Ohio

Jerusalem is the 884th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 643rd of 924 Ohio places, putting it near the 30th percentile for growth. Its roughly 504 residents per square mile place it 806th among Ohio's places. The population moved by about 2 people between 2020 and 2023, a 1.6% shift.

Land, water and location for Jerusalem

Jerusalem's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. That land carries about 504 people per square mile. The state's population centre of gravity, Columbus, is roughly 101 miles away. Within 50 miles of Jerusalem there are 124 larger Census places. The 100-mile radius contains 658 larger places.

The anatomy of a Jerusalem personal loan

A Jerusalem personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 122 residents. Because pricing is borrower-level, two people in Jerusalem can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Jerusalem loan is knowable in advance — unlike a revolving card balance.

What is available to Jerusalem borrowers

At roughly 504 people per square mile, Jerusalem is moderately settled; 124 larger places lie within 50 miles. What is available to Jerusalem's 122 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Wilson, OH about 2 miles away.

How Ohio law applies in Jerusalem

This table holds the Ohio rate and licensing rules for consumer loans made to Jerusalem's 122 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
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 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 Jerusalem 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 Jerusalem is the same as anywhere in Ohio.
What loan size can I expect in Jerusalem?
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 Jerusalem?
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 Jerusalem 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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