Personal loans in Orrville, OH

Orrville is a small town in Ohio, with an estimated 8,422 residents, and every licensed lender here follows the same state rulebook. For a community of about 8,422, the practical step is to compare APR across at least three lenders before committing. By population, Orrville sits at 195th in Ohio, with an estimated 8,422 residents. Consumer lending that reaches Orrville's 8,422 residents is governed by Ohio statute; no city ordinance changes it. Census figures put the 2020-to-2023 decrease in Orrville at about 0.4%. For a bigger market, look to Wooster, OH about 8 miles away.

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

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.

Local context for Orrville

Here is the sourced Census picture for Orrville, plus the Ohio lending rules that apply to a loan taken out here.

Which Ohio laws govern a loan in Orrville

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

RuleDetailSource
State lending regulatorOhio 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 licensingConsumer 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

Borrowing reach in Orrville

With about 1,502 residents per square mile, Orrville is moderately settled, and 73 larger Census places sit within 50 miles. Distance to a branch rarely matters for Orrville's 8,422 residents: the application is online and the price follows your credit file. The nearest larger city, Wooster, OH about 8 miles away.

Orrville in state context

Within Ohio, Orrville holds roughly 0.1% of all residents, the 195th-largest share among 924 places. For population change between 2020 and 2023, Orrville ranks 326th of 924 in Ohio (about the 65th percentile). Its roughly 1,502 residents per square mile place it 356th among Ohio's places. Within 50 miles sit 141 smaller Census places, alongside the 73 that are larger.

Orrville: area, density and distance

Orrville's land area is about 5.6 square miles; a further 0.01 square miles is water. That land carries about 1,502 people per square mile. The largest place in Ohio, Columbus, lies about 87 miles away. Orrville has 73 larger places within a 50-mile radius. The 100-mile radius contains 140 larger places.

A practical checklist for Orrville borrowers

A sensible order of operations for a loan in Orrville, home to about 8,422 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the Ohio licence with the regulator named above before committing.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Pick the shortest term whose payment you can comfortably afford.

The process is identical across Ohio; what changes is your credit file, not the fact that Orrville holds 8,422 people.

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.

Common questions

What are my options in Orrville 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 Orrville is the same as anywhere in Ohio.
What loan size can I expect in Orrville?
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 Orrville?
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 Orrville 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

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