Personal loans in Montezuma, OH

Montezuma shed about 2.0% of its population between the 2020 base and the 2023 estimate. The roughly 150 people who live in Montezuma borrow under Ohio rules; city hall sets no personal-loan rate.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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With 150 residents, Montezuma outranks about 7% of the communities in Ohio. A larger market lies at Coldwater, OH about 4 miles away. A lender that serves Montezuma operates under Ohio lending statutes and a Ohio supervisor. For a community of about 150, the practical step is to compare APR across at least three lenders before committing.

The Montezuma data picture

What follows is Montezuma's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

Population: 150 residents; Montezuma is the 862nd-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
Population trend: Roughly 2.0% fewer residents than the 2020 Census counted.
Absolute change: 3 residents lost between 2020 and 2023.
Size percentile: about 7% of Ohio's Census places are smaller than Montezuma.
Population density: about 1,471 people per square mile (Census land area 0.1 sq mi).
Land area rank: Montezuma's 0.1 square miles rank 900th of 924 places in Ohio.
State population share: Montezuma accounts for about 0.0% of everyone in Ohio.
National rank: Montezuma sits 17,287th by population among the 19,457 places in this dataset.
Growth rank: Montezuma's 2020-to-2023 change ranks 714th of 924 places in Ohio.
Against the state trend: Montezuma's 2.0% change compares with a Ohio average of +0.9% across its 924 places.
Density rank: Montezuma is the 372nd most densely settled place in Ohio.
Density vs Ohio: Montezuma's 1,471 people per square mile compare with a state median of 1,289.
Location: coordinates 40.4894, -84.5498 (US Census Bureau Gazetteer).
Nearest larger cities: Coldwater (4 mi); Celina (5 mi); Chickasaw (5 mi); St. Henry (6 mi); St. Marys (9 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller communities within reach: New Weston (12 mi); Yorkshire (12 mi); Elgin (18 mi).
Smaller neighbours: 13 places smaller than Montezuma sit within 50 miles.
At 100 miles: 629 larger Census places fall inside that radius.

What is available to Montezuma borrowers

With about 1,471 residents per square mile, Montezuma is moderately settled, and 160 larger Census places sit within 50 miles. Whether Montezuma has a local branch or not, a Ohio-licensed lender can serve its 150 people online on the same terms. The nearest larger city, Coldwater, OH about 4 miles away.

How Montezuma compares across Ohio

Against Ohio's other places, Montezuma accounts for about 0.0% of the state's population and ranks 862nd of 924 by size. For population change between 2020 and 2023, Montezuma ranks 714th of 924 in Ohio (about the 23th percentile). At about 1,471 people per square mile, Montezuma is the 372nd most densely settled place in Ohio. In land area, Montezuma ranks 900th among Ohio's 924 places.

What shapes a Montezuma personal loan

With roughly 150 residents, Montezuma is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Montezuma's rank of 862nd in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Montezuma decides the split between a comfortable payment and the total interest you pay.

The Montezuma borrowing checklist

These steps shape the offer you get in Montezuma, a place of about 150 people:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Test your amount and term in the personal loan calculator first.
Line up several pre-qualified offers and let the APR decide.
Verify the lender's Ohio licence with the regulator listed on this page.
Make sure the new payment leaves room in a budget you already keep.
Pick the shortest term whose payment you can comfortably afford.
Keep the amount to the expense; an approval is not a reason to take more.

What differs between Montezuma and the rest of Ohio is not the process but the borrower's own file, among the 150 people here.

The state rulebook for Montezuma

Read the table as a lender's compliance picture for Montezuma: the rule, the sourced figure, the publisher and the date.

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

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Common questions

What are my options in Montezuma 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 Montezuma is the same as anywhere in Ohio.

What loan size can I expect in Montezuma?

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 Montezuma?

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 Montezuma 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

Celina, OH — population 10,885
Chickasaw, OH — population 350
Coldwater, OH — population 4,712
St. Henry, OH — population 2,602
Osgood, OH — population 299
Burkettsville, OH — population 265
North Star, OH — population 222
St. Marys, OH — population 8,377