Personal loans in Ohio City, OH
Two households in Ohio City with comparable incomes can still be offered different rates; the city's 641 residents are not the reason. At about 641 residents, Ohio City is larger than roughly 33% of the places in Ohio. For a bigger market, look to Rockford, OH about 6 miles away. A 2020-to-2023 comparison shows Ohio City down by about 1.5%. A single loan can carry different costs on either side of a state line, and Ohio City sits on the Ohio side of that line. Begin with the payment, then weigh APR and total interest across the lenders that reach Ohio City's 641 residents.
The Ohio City data picture
The figures below are Ohio City's own — Census population, land area and coordinates — followed by the Ohio rules.
- Population: the Census counts 641 residents in Ohio City (Vintage 2023 subcounty estimate), the 619th-largest figure among Ohio's 924 places.
- Population trend: A decline of about 1.5% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a loss of about 10 residents.
- Size percentile: Ohio City sits ahead of around 33% of Ohio places, at 641 people.
- Density: roughly 1,212 residents per square mile, spread over 0.5 sq mi of land.
- By land area: Ohio City ranks 677th among Ohio's 924 places, at 0.5 sq mi.
- Share of Ohio: Ohio City holds about 0.0% of the state's population, some 641 people.
- National rank: Ohio City is the 12,161st most populous of the 19,457 Census places covered here.
- Growth rank: Ohio City ranks 625th among Ohio's 924 places for the 2020-to-2023 change.
- Against the state trend: Ohio City's 1.5% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: Ohio City places 500th among Ohio's places by people per square mile.
- Against the state median: Ohio City runs about 1,212 residents per square mile, where the Ohio median is 1,289.
- Location: coordinates 40.7703, -84.6162 (US Census Bureau Gazetteer).
- Nearest larger cities: Rockford (6 mi); Van Wert (7 mi); Convoy (11 mi); Spencerville (14 mi); Celina (15 mi). Larger metros often have more branches, but online lenders reach Ohio City on the same terms.
- Smaller communities close by: Elgin (8 mi); Venedocia (8 mi); Wren (8 mi), each with its own Census population profile.
- Within a 50-mile radius: 62 smaller Census places.
- Within 100 miles: 387 places are larger than Ohio City.
Inside a Ohio City personal loan
Most loans made to Ohio City's 641 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Ohio City's 641 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Ohio City decides the split between a comfortable payment and the total interest you pay.
Ohio City against the rest of Ohio
Within Ohio, Ohio City holds roughly 0.0% of all residents, the 619th-largest share among 924 places. On the 2020-to-2023 trend, Ohio City stands 625th among Ohio's 924 places — roughly the 32th percentile. Its roughly 1,212 residents per square mile place it 500th among Ohio's places. Within 50 miles sit 62 smaller Census places, alongside the 90 that are larger.
The geography behind Ohio City
Ohio City's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,212 people per square mile. For the state's biggest city, Columbus, the distance is roughly 102 miles. A 50-mile radius around Ohio City takes in 90 places that are larger. The 100-mile radius contains 387 larger places.
Getting a loan in Ohio City
Ohio City is moderately settled, with about 1,212 people per square mile and 90 larger places within 50 miles. What is available to Ohio City's 641 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 Rockford, OH about 6 miles away.
Which Ohio laws govern a loan in Ohio City
For the roughly 641 residents of Ohio City, 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 |
| 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 |
| 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 |
Common questions
What are my options in Ohio City if my credit is poor?
What loan size can I expect in Ohio City?
Do I have to pledge anything to borrow in Ohio City?
Does comparing loans in Ohio City cost me credit score points?
Nearby places
- Rockford, OH — population 1,029
- Van Wert, OH — population 11,040
- Mendon, OH — population 612
- Elgin, OH — population 45
- Wren, OH — population 153
- Venedocia, OH — population 136
- Convoy, OH — population 1,000
- Willshire, OH — population 397