Personal loans in Lyndhurst, OH
Roughly 13,641 residents live in Lyndhurst, the 130th-largest community in Ohio. A lender serving Lyndhurst holds a Ohio licence and answers to a Ohio regulator; no city office is involved for its 13,641 residents.
Begin with the payment, then weigh APR and total interest across the lenders that reach Lyndhurst's 13,641 residents. A lender that serves Lyndhurst operates under Ohio lending statutes and a Ohio supervisor. The trend for Lyndhurst between 2020 and 2023 is downward by roughly 2.9%. The closest larger city is South Euclid, OH about 2 miles away.
Lyndhurst by the numbers
Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.
- Population: about 13,641 people live here, which puts Lyndhurst 130th of 924 Census places in Ohio (Vintage 2023).
- Population trend: Roughly 2.9% fewer residents than the 2020 Census counted.
- Net change: roughly 405 fewer people than the 2020 Census counted.
- Size percentile: roughly 86% of Ohio places rank below Lyndhurst.
- Density: the Census land area of 4.4 sq mi holds about 3,078 people per square mile.
- By land area: Lyndhurst ranks 227th among Ohio's 924 places, at 4.4 sq mi.
- State population share: Lyndhurst accounts for about 0.2% of everyone in Ohio.
- Nationally: Lyndhurst is the 2,535th-largest of 19,457 Census places in the dataset.
- Growth in Ohio: Lyndhurst stands 864th by percentage change from 2020 to 2023, among 924 places.
- Against the state trend: Lyndhurst's 2.9% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: Lyndhurst places 55th among Ohio's places by people per square mile.
- Against the state median: Lyndhurst runs about 3,078 residents per square mile, where the Ohio median is 1,289.
- Location: 41.5169 / -81.4948, per the US Census Bureau Gazetteer.
- Nearest larger cities: South Euclid (2 mi); Mayfield Heights (2 mi); Beachwood (3 mi); Cleveland Heights (3 mi); Shaker Heights (4 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places nearby: University Heights (3 mi); Highland Heights (3 mi); Richmond Heights (3 mi).
- Smaller neighbours: 113 places smaller than Lyndhurst sit within 50 miles.
- Within 100 miles: 79 places are larger than Lyndhurst.
Lyndhurst: area, density and distance
Inside Lyndhurst's boundaries lie about 4.4 square miles of land, with no significant water area recorded. Spread across it are roughly 3,078 residents per square mile. The state's population centre of gravity, Columbus, is roughly 132 miles away. Counting outward 50 miles, 56 larger communities surround Lyndhurst. The 100-mile radius contains 79 larger places.
Lyndhurst against the rest of Ohio
Among Ohio's 924 places, Lyndhurst sits at 130th for population, a share of roughly 0.2% of the state. Its 2020-to-2023 change ranks 864th of 924 Ohio places, putting it near the 6th percentile for growth. By density, at about 3,078 people per square mile, it ranks 55th in Ohio. The population moved by about 405 people between 2020 and 2023, a 2.9% shift.
Ohio rules behind a Lyndhurst personal loan
These are Ohio's sourced lending facts as they reach Lyndhurst's 13,641 residents; the state has no city-level rate rule.
| 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 |
| 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 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 |
A pre-application checklist for Lyndhurst
These steps shape the offer you get in Lyndhurst, a place of about 13,641 people:
- Pull your credit reports first and correct any error before a lender sees the file.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the Ohio licence with the regulator named above before committing.
- Keep the amount to the expense; an approval is not a reason to take more.
- Decide the purpose and how you will repay it before approaching any lender.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
What differs between Lyndhurst and the rest of Ohio is not the process but the borrower's own file, among the 13,641 people here.
Getting a loan in Lyndhurst
With about 3,078 residents per square mile, Lyndhurst is fairly dense, and 56 larger Census places sit within 50 miles. A Ohio licence lets a lender serve Lyndhurst without a local office, so branch density does not change what its 13,641 residents are offered. The nearest larger city, South Euclid, OH about 2 miles away.
Common questions
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Nearby places
- South Euclid, OH — population 21,264
- Mayfield Heights, OH — population 19,793
- Beachwood, OH — population 13,734
- Highland Heights, OH — population 8,537
- Richmond Heights, OH — population 10,509
- University Heights, OH — population 13,203
- Pepper Pike, OH — population 6,823
- Woodmere, OH — population 638