Personal loans in McConnelsville, OH

A 2020-to-2023 comparison shows McConnelsville down by about 1.4%. McConnelsville, Ohio — home to about 1,639 people — is a small community, so the terms you are offered follow Ohio law rather than any local rule.

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.

Roughly 1,639 residents live in McConnelsville, the 432nd-largest community in Ohio. A larger market lies at Crooksville, OH about 15 miles away. To lend to McConnelsville's 1,639 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. Judge McConnelsville offers on total cost, not on how quickly the money arrives.

Where McConnelsville stands

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

McConnelsville against the rest of Ohio

Within Ohio, McConnelsville holds roughly 0.0% of all residents, the 432nd-largest share among 924 places. Its 2020-to-2023 change ranks 594th of 924 Ohio places, putting it near the 36th percentile for growth. Its roughly 914 residents per square mile place it 645th among Ohio's places. In land area, McConnelsville ranks 391st among Ohio's 924 places.

What is available to McConnelsville borrowers

McConnelsville is moderately settled, with about 914 people per square mile and 35 larger places within 50 miles. Distance to a branch rarely matters for McConnelsville's 1,639 residents: the application is online and the price follows your credit file. The nearest larger city, Crooksville, OH about 15 miles away.

Steps to take before a McConnelsville loan

These steps shape the offer you get in McConnelsville, a place of about 1,639 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Check the Ohio regulator's records to confirm the lender is licensed here.
  5. Be clear on what the loan is for and how it gets repaid.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

In McConnelsville as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 1,639 residents.

Which Ohio laws govern a loan in McConnelsville

Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a McConnelsville lender must follow.

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 personal loans work in McConnelsville

With roughly 1,639 residents, McConnelsville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in McConnelsville. A longer term lowers the monthly payment on a McConnelsville loan but raises total interest, so the smallest payment is not the cheapest loan.

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