Personal loans in Mantua, OH

About 1,009 people live in Mantua, placing it 522nd of 924 Census places in Ohio. In Mantua, one of 924 Census places in Ohio, the figure to compare across lenders is the APR, not the advertised rate.

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.

Mantua gained roughly 0.4% in population across the 2020-to-2023 comparison. Rate-shopping from Mantua costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Every figure below is Ohio's own, applied to Mantua's 1,009 residents, with the publisher and retrieval date attached. Borrowers who want a bigger city can look to Aurora, OH about 6 miles away.

Mantua: population, trend and location

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

How Mantua compares across Ohio

Within Ohio, Mantua holds roughly 0.0% of all residents, the 522nd-largest share among 924 places. Its 2020-to-2023 change ranks 200th of 924 Ohio places, putting it near the 78th percentile for growth. At about 710 people per square mile, Mantua is the 736th most densely settled place in Ohio. Between 2020 and 2023 the count changed by roughly 4 residents.

Before you apply in Mantua

These steps shape the offer you get in Mantua, a place of about 1,009 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  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. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Look for an origination fee or prepayment penalty in the written disclosure.
  7. Test the payment against your current bills before you commit.

None of these steps is Mantua-specific: the same Ohio licensing and disclosure rules reach all 1,009 residents.

How a Mantua personal loan is priced

A Mantua personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,009 residents. The APR tracks your credit score rather than Mantua's rank of 522nd in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Mantua loan but raises total interest, so the smallest payment is not the cheapest loan.

What is available to Mantua borrowers

At roughly 710 people per square mile, Mantua is moderately settled; 165 larger places lie within 50 miles. Lenders licensed in Ohio reach Mantua's 1,009 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Aurora, OH about 6 miles away.

Ohio consumer-lending rules applied in Mantua

For the roughly 1,009 residents of Mantua, the rules below are Ohio's own; each row carries its publisher and retrieval date.

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