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.

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.

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.

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.

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
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
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

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.

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 Perry 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 Perry is the same as anywhere in Ohio.
What loan size can I expect in Perry?
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 Perry?
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 Perry 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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