Personal loans in Middlefield, OH

Middlefield, Ohio — home to about 2,750 people — is a small community, so the terms you are offered follow Ohio law rather than any local rule. An estimated 2,750 people make their home in Middlefield, a figure that ranks 344th in Ohio.

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.

Begin with the payment, then weigh APR and total interest across the lenders that reach Middlefield's 2,750 residents. Middlefield's population held flat through the 2020-to-2023 comparison. To lend to Middlefield's 2,750 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. The closest larger city is Chardon, OH about 11 miles away.

Local context for Middlefield

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

The anatomy of a Middlefield personal loan

Most loans made to Middlefield's 2,750 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Middlefield's 2,750 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Middlefield loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Middlefield

With about 814 residents per square mile, Middlefield is moderately settled, and 117 larger Census places sit within 50 miles. Distance to a branch rarely matters for Middlefield's 2,750 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Chardon, OH about 11 miles away.

Middlefield on the map

The Census Gazetteer records 3.4 square miles of land and 0.02 square miles of water within Middlefield. Spread across it are roughly 814 residents per square mile. Columbus, the largest place in Ohio, is about 143 miles from Middlefield. Within 50 miles of Middlefield there are 117 larger Census places. Within the same 50 miles lie 70 smaller Census places.

The state rulebook for Middlefield

These are Ohio's sourced lending facts as they reach Middlefield's 2,750 residents; the state has no city-level rate rule.

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

How Middlefield compares across Ohio

Among Ohio's 924 places, Middlefield sits at 344th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Middlefield stands 268th among Ohio's 924 places — roughly the 71th percentile. By density, at about 814 people per square mile, it ranks 688th in Ohio. In land area, Middlefield ranks 276th among Ohio's 924 places.

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

Nearby places

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