Personal loans in Nellie, OH

A 2020-to-2023 comparison shows Nellie up by about 0.8%. Nellie is home to roughly 124 people and stands 882nd by size out of 924 Census places in Ohio.

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

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A lender serving Nellie holds a Ohio licence and answers to a Ohio regulator; no city office is involved for its 124 residents. Price two or three terms so you can see which payment is truly affordable in Nellie. Consumer lending that reaches Nellie's 124 residents is governed by Ohio statute; no city ordinance changes it. Borrowers who want a bigger city can look to Warsaw, OH about 4 miles away.

Borrowing in Nellie: the local picture

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

Population: the Census counts 124 residents in Nellie (Vintage 2023 subcounty estimate), the 882nd-largest figure among Ohio's 924 places.
Population trend: A rise of about 0.8% from 2020 to 2023.
People gained or lost: about 1 more since the 2020 base.
Size percentile: roughly 5% of Ohio places rank below Nellie.
Population density: about 182 people per square mile (Census land area 0.7 sq mi).
Land area: Nellie covers 0.7 square miles, the 613th-largest area among Ohio's 924 places.
Within Ohio: about 0.0% of the state's population lives in Nellie.
National rank: Nellie is 17,707th of 19,457 places nationwide.
Growth rank: Nellie's 2020-to-2023 change ranks 161st of 924 places in Ohio.
Versus Ohio: the state average change is +0.9%, while Nellie moved 0.8%.
Density rank: Nellie places 904th among Ohio's places by people per square mile.
Against the state median: Nellie runs about 182 residents per square mile, where the Ohio median is 1,289.
Location: 40.3385, -82.0714 (Census Gazetteer coordinates).
Nearest larger cities: Warsaw (4 mi); Killbuck (12 mi); Danville (12 mi); Glenmont (13 mi); Coshocton (13 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Nearest smaller towns: Gann (Brinkhaven) (11 mi); Norwich (29 mi); Sparta (33 mi).
Within a 50-mile radius: 7 smaller Census places.
Larger places within 100 miles: 635.

Nellie's place among Ohio's 924 places

Against Ohio's other places, Nellie accounts for about 0.0% of the state's population and ranks 882nd of 924 by size. On the 2020-to-2023 trend, Nellie stands 161st among Ohio's 924 places — roughly the 83th percentile. By density, at about 182 people per square mile, it ranks 904th in Ohio. Between 2020 and 2023 the count changed by roughly 1 residents.

Lender access in Nellie

Nellie is lightly settled, with about 182 people per square mile and 154 larger places within 50 miles. What is available to Nellie's 124 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Warsaw, OH about 4 miles away.

Ohio rules behind a Nellie personal loan

The rows below set out what a licensed lender must follow in Ohio, and so for Nellie's roughly 124 residents.

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

How personal loans work in Nellie

A Nellie personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 124 residents. Federal Truth in Lending rules require a Nellie lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Nellie loan is knowable in advance — unlike a revolving card balance.

A pre-application checklist for Nellie

These steps shape the offer you get in Nellie, a place of about 124 people:

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Get several pre-qualifications and compare APR side by side before choosing.
Verify the lender's Ohio licence with the regulator listed on this page.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Nellie-specific: the same Ohio licensing and disclosure rules reach all 124 residents.

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Common questions

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

What loan size can I expect in Nellie?

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 Nellie?

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 Nellie 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

Warsaw, OH — population 648
Gann (Brinkhaven), OH — population 111
Killbuck, OH — population 804
Glenmont, OH — population 238
Danville, OH — population 996
Dresden, OH — population 1,647
Frazeysburg, OH — population 1,352
Conesville, OH — population 326