Personal loans in North Baltimore, OH

North Baltimore is a small community of about 3,392 residents, and a personal loan taken out here is governed by Ohio statute. North Baltimore is home to roughly 3,392 people and stands 312th by size out of 924 Census places 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.

North Baltimore added about 0.7% to its population between the 2020 base and the 2023 estimate. Use the calculator on this page to price an amount and term before you commit in North Baltimore. Borrowers who want a bigger city can look to Findlay, OH about 9 miles away. To lend to North Baltimore's 3,392 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it.

What the Census records for North Baltimore

Set out below is North Baltimore's local context next to the state-level rules that reach every lender here.

Population: about 3,392, ranked 312th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
Population trend: Higher by roughly 0.7% since the 2020 count.
Net change: roughly 23 more people than the 2020 Census counted.
Size percentile: about 66% of Ohio's Census places are smaller than North Baltimore.
Density: roughly 1,346 residents per square mile, spread over 2.5 sq mi of land.
Land area: North Baltimore covers 2.5 square miles, the 319th-largest area among Ohio's 924 places.
Water: North Baltimore holds about 0.03 square miles, the 278th-largest water area in Ohio.
Within Ohio: about 0.0% of the state's population lives in North Baltimore.
Nationally: North Baltimore is the 5,911th-largest of 19,457 Census places in the dataset.
Growth in Ohio: North Baltimore stands 170th by percentage change from 2020 to 2023, among 924 places.
Against the state trend: North Baltimore's 0.7% change compares with a Ohio average of +0.9% across its 924 places.
Density in Ohio: North Baltimore ranks 432nd by people per square mile.
Density vs Ohio: North Baltimore's 1,346 people per square mile compare with a state median of 1,289.
Location: coordinates 41.1798, -83.6683 (US Census Bureau Gazetteer).
Nearest larger cities: Findlay (9 mi); Fostoria (13 mi); Bowling Green (14 mi); Carey (22 mi); Ottawa (22 mi). Online lenders reach North Baltimore no matter how far the nearest branch is.
Smaller communities within reach: Van Buren (3 mi); Bairdstown (3 mi); Cygnet (4 mi).
Smaller places within 50 miles: 126 of them.
Larger places within 100 miles: 215.

Lender access in North Baltimore

At roughly 1,346 people per square mile, North Baltimore is moderately settled; 36 larger places lie within 50 miles. A Ohio licence lets a lender serve North Baltimore without a local office, so branch density does not change what its 3,392 residents are offered. The nearest bigger place is Findlay, OH about 9 miles away.

Which Ohio laws govern a loan in North Baltimore

When Ohio does not publish a figure, the row links to the source instead of inventing a number; North Baltimore is bound by the same rules.

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

The North Baltimore borrowing checklist

Before you apply in North Baltimore, a community of about 3,392, work through these steps:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Price the payment first with our personal loan calculator before any lender quotes you.
Shop at least three lenders and judge them on APR and total cost.
Confirm the Ohio licence with the regulator named above before committing.
Decide the purpose and how you will repay it before approaching any lender.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Check the disclosure for fees that raise the true cost above the quoted rate.

What differs between North Baltimore and the rest of Ohio is not the process but the borrower's own file, among the 3,392 people here.

North Baltimore's place among Ohio's 924 places

Within Ohio, North Baltimore holds roughly 0.0% of all residents, the 312th-largest share among 924 places. On the 2020-to-2023 trend, North Baltimore stands 170th among Ohio's 924 places — roughly the 82th percentile. By density, at about 1,346 people per square mile, it ranks 432nd in Ohio. By land area, its 2.5 square miles rank 319th of 924 places in Ohio.

The anatomy of a North Baltimore personal loan

In North Baltimore, a small community of about 3,392, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than North Baltimore's rank of 312th 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 North Baltimore decides the split between a comfortable payment and the total interest you pay.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in North Baltimore?

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 North Baltimore?

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 North Baltimore 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

Van Buren, OH — population 570
Bairdstown, OH — population 118
Cygnet, OH — population 548
Jerry City, OH — population 454
Bloomdale, OH — population 655
Hoytville, OH — population 227
Findlay, OH — population 40,139
McComb, OH — population 1,532