Personal loans in Osgood, OH

The Census counts 299 people in Osgood, the 760th-largest figure among Ohio's 924 places. Osgood is a small community of about 299 residents, and a personal loan taken out here is governed by Ohio statute. Osgood lost roughly 2.3% of its population across the 2020-to-2023 comparison. Rate-shopping from Osgood costs nothing at pre-qualification, where a soft pull leaves your credit file alone. To lend to Osgood's 299 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. The next larger city is Fort Loramie, OH about 7 miles away.

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

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Local context for Osgood

Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.

Population: a Census-estimated 299, 760th among Ohio's 924 places (Vintage 2023).
Population trend: About 2.3% below the 2020 Census base.
Net change: roughly 7 fewer people than the 2020 Census counted.
Size percentile: roughly 18% of Ohio places rank below Osgood.
Land and density: 0.4 square miles of land carry roughly 849 residents per square mile.
By land area: Osgood ranks 750th among Ohio's 924 places, at 0.4 sq mi.
Share of state population: Osgood's 299 residents are about 0.0% of Ohio.
National rank: Osgood sits 15,132nd by population among the 19,457 places in this dataset.
Growth rank: Osgood's 2020-to-2023 change ranks 778th of 924 places in Ohio.
State comparison: Ohio's places average +0.9% for 2020-to-2023, against Osgood's 2.3%.
Density rank: Osgood is the 674th most densely settled place in Ohio.
Against the state median: Osgood runs about 849 residents per square mile, where the Ohio median is 1,289.
Location: coordinates 40.3395, -84.4961 (US Census Bureau Gazetteer).
Nearest larger cities: Fort Loramie (7 mi); Chickasaw (7 mi); Minster (7 mi); Versailles (8 mi); Russia (9 mi). Larger metros often have more branches, but online lenders reach Osgood on the same terms.
Nearest smaller towns: Yorkshire (1 mi); North Star (4 mi); New Weston (8 mi).
Smaller neighbours: 40 places smaller than Osgood sit within 50 miles.
At 100 miles: 568 larger Census places fall inside that radius.

Lender access in Osgood

Osgood is a moderately settled community of about 299 people, with 136 larger places inside a 50-mile radius. Lenders licensed in Ohio reach Osgood's 299 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Fort Loramie, OH about 7 miles away.

How Osgood compares across Ohio

Against Ohio's other places, Osgood accounts for about 0.0% of the state's population and ranks 760th of 924 by size. On the 2020-to-2023 trend, Osgood stands 778th among Ohio's 924 places — roughly the 16th percentile. At about 849 people per square mile, Osgood is the 674th most densely settled place in Ohio. In land area, Osgood ranks 750th among Ohio's 924 places.

Where Osgood sits

The Census Gazetteer records about 0.4 square miles of land within Osgood, with no significant water area listed. The resulting density is about 849 people per square mile. The largest place in Ohio, Columbus, lies about 83 miles away. Within 50 miles of Osgood there are 136 larger Census places. By land area it ranks 750th of 924 Ohio places.

A pre-application checklist for Osgood

Before you hand your details to a lender in Osgood, where the population is near 299:

Pull your credit reports first and correct any error before a lender sees the file.
Price the payment first with our personal loan calculator before any lender quotes you.
Get several pre-qualifications and compare APR side by side before choosing.
Confirm the Ohio licence with the regulator named above before committing.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Write down the purpose of the loan and your repayment plan before you apply.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

The process is identical across Ohio; what changes is your credit file, not the fact that Osgood holds 299 people.

Which Ohio laws govern a loan in Osgood

Read the table as a lender's compliance picture for Osgood: the rule, the sourced figure, the publisher and the 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

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Common questions

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

What loan size can I expect in Osgood?

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 Osgood?

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 Osgood 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

Yorkshire, OH — population 104
North Star, OH — population 222
Chickasaw, OH — population 350
Versailles, OH — population 2,714
Fort Loramie, OH — population 1,586
Minster, OH — population 2,999
Russia, OH — population 724
Burkettsville, OH — population 265