Personal loans in Perrysville, OH

In Perrysville, one of 924 Census places in Ohio, the figure to compare across lenders is the APR, not the advertised rate. Judge Perrysville offers on total cost, not on how quickly the money arrives.

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.

The Census counts 728 people in Perrysville, the 586th-largest figure among Ohio's 924 places. Rate ceilings, licensing requirements and product limits for Perrysville are all set at the Ohio level. Perrysville lost roughly 0.3% of its population across the 2020-to-2023 comparison. The nearest larger metro is Loudonville, OH about 5 miles away.

Perrysville by the numbers

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

A pre-application checklist for Perrysville

Before you apply in Perrysville, a community of about 728, work through these steps:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  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 lender holds a Ohio licence by checking the regulator named above.
  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. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Perrysville-specific: the same Ohio licensing and disclosure rules reach all 728 residents.

Ohio rules behind a Perrysville personal loan

For the roughly 728 residents of Perrysville, the rules below are Ohio's own; each row carries its publisher and retrieval date.

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

What shapes a Perrysville personal loan

A Perrysville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 728 residents. Two numbers drive a Perrysville loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Perrysville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Perrysville's place among Ohio's 924 places

Perrysville is the 586th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Perrysville stands 303rd among Ohio's 924 places — roughly the 67th percentile. At about 916 people per square mile, Perrysville is the 641st most densely settled place in Ohio. Between 2020 and 2023 the count changed by roughly 2 residents.

Perrysville on the map

The Census Gazetteer records about 0.8 square miles of land within Perrysville, with no significant water area listed. That land carries about 916 people per square mile. For the state's biggest city, Columbus, the distance is roughly 58 miles. Within 50 miles of Perrysville there are 93 larger Census places. Within the same 50 miles lie 55 smaller Census places.

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