Personal loans in Lisbon, OH

A single loan can carry different costs on either side of a state line, and Lisbon sits on the Ohio side of that line.

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.

Two households in Lisbon with comparable incomes can still be offered different rates; the city's 2,533 residents are not the reason. Lisbon is one of 924 Census places in Ohio; its 2,533 residents put it at 358th. A 2020-to-2023 comparison shows Lisbon down by about 2.4%. Pull your credit reports and line up at least three offers before you apply from Lisbon. A larger market lies at Columbiana, OH about 9 miles away.

Lisbon: population, trend and location

The figures below are Lisbon's own — Census population, land area and coordinates — followed by the Ohio rules.

Lisbon on the map

Lisbon covers about 1.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,504 people per square mile. Columbus, the largest place in Ohio, is about 129 miles from Lisbon. Lisbon has 106 larger places within a 50-mile radius. By land area it ranks 405th of 924 Ohio places.

How Ohio law applies in Lisbon

The rows below set out what a licensed lender must follow in Ohio, and so for Lisbon's roughly 2,533 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

Lender access in Lisbon

At roughly 1,504 people per square mile, Lisbon is moderately settled; 106 larger places lie within 50 miles. Whether Lisbon has a local branch or not, a Ohio-licensed lender can serve its 2,533 people online on the same terms. For a larger market, the closest option is Columbiana, OH about 9 miles away.

The anatomy of a Lisbon personal loan

In Lisbon, a small community of about 2,533, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Lisbon's rank of 358th in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Lisbon loan is knowable in advance — unlike a revolving card balance.

Before you apply in Lisbon

A sensible order of operations for a loan in Lisbon, home to about 2,533 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Check the Ohio regulator's records to confirm the lender is licensed here.
  5. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

In Lisbon as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 2,533 residents.

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