Personal loans in Perry, OH
Two households in Perry with comparable incomes can still be offered different rates; the city's 1,598 residents are not the reason. Perry lost roughly 0.5% of its population across the 2020-to-2023 comparison. Perry is one of 924 Census places in Ohio; its 1,598 residents put it at 434th. Rate-shopping from Perry costs nothing at pre-qualification, where a soft pull leaves your credit file alone. State law, not city hall, decides what a lender may do to Perry's roughly 1,598 residents, and a state regulator supervises it. The nearest larger city is Madison, OH about 5 miles away.
What the Census records for Perry
Most of what governs a Perry loan is written in Ohio law rather than in the city; the sourced notes below make that split concrete.
- Population: 1,598 people, a figure that places Perry 434th among the 924 Census places in Ohio (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 0.5% from 2020 to 2023.
- Net change: roughly 8 fewer people than the 2020 Census counted.
- Size percentile: Perry sits ahead of around 53% of Ohio places, at 1,598 people.
- Population density: 704 people per square mile on 2.3 square miles of land.
- Land area: Perry covers 2.3 square miles, the 337th-largest area among Ohio's 924 places.
- Within Ohio: about 0.0% of the state's population lives in Perry.
- National rank: Perry sits 8,477th by population among the 19,457 places in this dataset.
- Growth rank: Perry ranks 349th among Ohio's 924 places for the 2020-to-2023 change.
- Versus Ohio: the state average change is +0.9%, while Perry moved 0.5%.
- Density rank: Perry is the 740th most densely settled place in Ohio.
- Density in context: Perry's 704 people per square mile sit against a Ohio median of 1,289.
- Location: the Census Gazetteer records it at 41.7637, -81.1430.
- Nearest larger cities: Madison (5 mi); Painesville (7 mi); Fairport Harbor (7 mi); Geneva (10 mi); Mentor (11 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: North Perry (3 mi); Grand River (8 mi); Geneva-on-the-Lake (12 mi).
- Smaller places within 50 miles: 40 of them.
- At 100 miles: 225 larger Census places fall inside that radius.
The Ohio lending rules that reach Perry
The rows below set out what a licensed lender must follow in Ohio, and so for Perry's roughly 1,598 residents.
| 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 |
Land, water and location for Perry
Perry covers about 2.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 1,598 residents, the land area yields roughly 704 people per square mile. The state's population centre of gravity, Columbus, is roughly 156 miles away. Perry has 98 larger places within a 50-mile radius. By land area it ranks 337th of 924 Ohio places.
Borrowing reach in Perry
At roughly 704 people per square mile, Perry is moderately settled; 98 larger places lie within 50 miles. A Ohio licence lets a lender serve Perry without a local office, so branch density does not change what its 1,598 residents are offered. The nearest larger city, Madison, OH about 5 miles away.
How Perry compares across Ohio
Against Ohio's other places, Perry accounts for about 0.0% of the state's population and ranks 434th of 924 by size. For population change between 2020 and 2023, Perry ranks 349th of 924 in Ohio (about the 62th percentile). Its roughly 704 residents per square mile place it 740th among Ohio's places. In land area, Perry ranks 337th among Ohio's 924 places.
What shapes a Perry personal loan
Most loans made to Perry's 1,598 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Perry's 1,598 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Perry loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
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Does comparing loans in Perry cost me credit score points?
Nearby places
- North Perry, OH — population 908
- Madison, OH — population 3,416
- Painesville, OH — population 20,605
- Fairport Harbor, OH — population 3,081
- Grand River, OH — population 394
- Chardon, OH — population 5,239
- Geneva, OH — population 5,866
- Mentor, OH — population 46,929