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Personal loans in Palestine, OH

Roughly 180 residents live in Palestine, the 835th-largest community in Ohio. Palestine is a small community of about 180 residents, and a personal loan taken out here is governed by Ohio statute. Compare APR, not the interest rate, because the APR folds in most fees on a Palestine loan. A lender that serves Palestine operates under Ohio lending statutes and a Ohio supervisor. Census figures put the 2020-to-2023 decrease in Palestine at about 1.1%. Borrowers who want a bigger city can look to Hollansburg, OH about 4 miles away.

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.

Borrowing in Palestine: the local picture

Two layers matter for a Palestine borrower: the local population picture and Ohio's consumer-lending statutes.

What is available to Palestine borrowers

At roughly 1,233 people per square mile, Palestine is moderately settled; 164 larger places lie within 50 miles. Lenders licensed in Ohio reach Palestine's 180 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Hollansburg, OH about 4 miles away.

Ohio consumer-lending rules applied in Palestine

Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Palestine lender must follow.

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
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 statusLegal 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

Where Palestine sits

The Census Gazetteer records about 0.1 square miles of land within Palestine, with no significant water area listed. The resulting density is about 1,233 people per square mile. For the state's biggest city, Columbus, the distance is roughly 93 miles. Palestine has 164 larger places within a 50-mile radius. By land area it ranks 882nd of 924 Ohio places.

How Palestine compares across Ohio

Among Ohio's 924 places, Palestine sits at 835th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 493rd of 924 Ohio places, putting it near the 47th percentile for growth. By density, at about 1,233 people per square mile, it ranks 491st in Ohio. The population moved by about 2 people between 2020 and 2023, a 1.1% shift.

A pre-application checklist for Palestine

Before you apply in Palestine, a community of about 180, work through these steps:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the lender holds a Ohio licence by checking the regulator named above.
  5. Test the payment against your current bills before you commit.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Borrow only what the purpose requires, not the maximum you are offered.

The process is identical across Ohio; what changes is your credit file, not the fact that Palestine holds 180 people.

Compare personal 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.

Common questions

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

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