Personal loans in Mount Orab, OH
A personal loan in Mount Orab is priced from your credit file and income, not from the fact that the city holds 4,349 people. About 4,349 people live in Mount Orab, placing it 274th of 924 Census places in Ohio.
Population in Mount Orab dropped about 0.1% over the three years from 2020 to 2023. When Ohio caps or restricts a product, lenders either change the terms or withdraw it from Mount Orab as from the rest of the state. Judge Mount Orab offers on total cost, not on how quickly the money arrives. The closest larger place is Georgetown, OH about 11 miles away.
The Mount Orab data picture
The figures below are Mount Orab's own — Census population, land area and coordinates — followed by the Ohio rules.
- Population: a Census-estimated 4,349, 274th among Ohio's 924 places (Vintage 2023).
- Population trend: A drop of about 0.1% from 2020 to 2023.
- Absolute change: 3 residents lost between 2020 and 2023.
- Size percentile: with 4,349 residents, Mount Orab is larger than about 70% of Ohio's Census places.
- Density: the Census land area of 9.7 sq mi holds about 449 people per square mile.
- Land area: Mount Orab covers 9.7 square miles, the 106th-largest area among Ohio's 924 places.
- State population share: Mount Orab accounts for about 0.1% of everyone in Ohio.
- National rank: Mount Orab is 5,231st of 19,457 places nationwide.
- Growth rank: Mount Orab ranks 272nd among Ohio's 924 places for the 2020-to-2023 change.
- Against the state trend: Mount Orab's 0.1% change compares with a Ohio average of +0.9% across its 924 places.
- Density in Ohio: Mount Orab ranks 831st by people per square mile.
- Density in context: Mount Orab's 449 people per square mile sit against a Ohio median of 1,289.
- Location: coordinates 39.0293, -83.9266 (US Census Bureau Gazetteer).
- Nearest larger cities: Georgetown (11 mi); Hillsboro (21 mi); Milford (21 mi); The Village of Indian Hill (25 mi); Loveland (25 mi). Living near a larger metro rarely changes what is available in Mount Orab.
- Nearest smaller places: Williamsburg (7 mi); Sardinia (7 mi); Hamersville (8 mi).
- Smaller places within 50 miles: 110 of them.
- Larger places within 100 miles: 152.
Mount Orab in state context
Within Ohio, Mount Orab holds roughly 0.1% of all residents, the 274th-largest share among 924 places. On the 2020-to-2023 trend, Mount Orab stands 272nd among Ohio's 924 places — roughly the 71th percentile. By density, at about 449 people per square mile, it ranks 831st in Ohio. Between 2020 and 2023 the count changed by roughly 3 residents.
Lender access in Mount Orab
Mount Orab is a lightly settled community of about 4,349 people, with 67 larger places inside a 50-mile radius. A Ohio licence lets a lender serve Mount Orab without a local office, so branch density does not change what its 4,349 residents are offered. The nearest larger city, Georgetown, OH about 11 miles away.
What a Mount Orab borrower is actually offered
Mount Orab is a small community of about 4,349 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Mount Orab's 4,349 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Mount Orab decides the split between a comfortable payment and the total interest you pay.
Which Ohio laws govern a loan in Mount Orab
For the roughly 4,349 residents of Mount Orab, the rules below are Ohio's own; each row carries its publisher and retrieval 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 |
| Small-loan / installment lender licensing | Consumer 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 |
| 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 |
Mount Orab on the map
The Census Gazetteer records about 9.7 square miles of land within Mount Orab, with no significant water area listed. With 4,349 residents, the land area yields roughly 449 people per square mile. The state's population centre of gravity, Columbus, is roughly 83 miles away. Within 50 miles of Mount Orab there are 67 larger Census places. The 100-mile radius contains 152 larger places.
Common questions
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Nearby places
- Hamersville, OH — population 487
- Williamsburg, OH — population 2,624
- Sardinia, OH — population 1,089
- Fayetteville, OH — population 310
- Georgetown, OH — population 4,458
- Bethel, OH — population 2,659
- Mowrystown, OH — population 386
- Russellville, OH — population 541