Personal loans in Phillipsburg, OH

A 2020-to-2023 comparison shows Phillipsburg down by about 1.2%. Pull your credit reports and line up at least three offers before you apply from Phillipsburg. The next larger city is Brookville, OH about 5 miles away. Consumer lending that reaches Phillipsburg's 494 residents is governed by Ohio statute; no city ordinance changes it.

Phillipsburg: the sourced local profile

What follows is Phillipsburg's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

• Population: about 494, ranked 670th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
• Population trend: A loss of roughly 1.2% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 6 residents.
• Size percentile: about 27% of Ohio's Census places are smaller than Phillipsburg.
• Population density: about 1,857 people per square mile (Census land area 0.3 sq mi).
• Land area: Phillipsburg covers 0.3 square miles, the 802nd-largest area among Ohio's 924 places.
• State population share: Phillipsburg accounts for about 0.0% of everyone in Ohio.
• National standing: Phillipsburg ranks 13,223rd of 19,457 US places.
• Growth in Ohio: Phillipsburg stands 520th by percentage change from 2020 to 2023, among 924 places.
• Against the state trend: Phillipsburg's 1.2% change compares with a Ohio average of +0.9% across its 924 places.
• Density rank: Phillipsburg places 239th among Ohio's places by people per square mile.
• Density in context: Phillipsburg's 1,857 people per square mile sit against a Ohio median of 1,289.
• Location: latitude 39.9040, longitude -84.4010 (Census Gazetteer).
• Nearest larger cities: Brookville (5 mi); Clayton (5 mi); West Milton (5 mi); Englewood (6 mi); Union (6 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities close by: Potsdam (4 mi); Verona (6 mi); Gordon (6 mi), each with its own Census population profile.
• Smaller places within 50 miles: 66 of them.
• At 100 miles: 459 larger Census places fall inside that radius.

Phillipsburg in state context

Among Ohio's 924 places, Phillipsburg sits at 670th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 520th of 924 Ohio places, putting it near the 44th percentile for growth. By density, at about 1,857 people per square mile, it ranks 239th in Ohio. By land area, its 0.3 square miles rank 802nd of 924 places in Ohio.

Land, water and location for Phillipsburg

The Census Gazetteer records about 0.3 square miles of land within Phillipsburg, with no significant water area listed. The resulting density is about 1,857 people per square mile. For the state's biggest city, Columbus, the distance is roughly 75 miles. A 50-mile radius around Phillipsburg takes in 143 places that are larger. The 100-mile radius contains 459 larger places.

Before you apply in Phillipsburg

A sensible order of operations for a loan in Phillipsburg, home to about 494 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Line up several pre-qualified offers and let the APR decide.
4. Check the Ohio regulator's records to confirm the lender is licensed here.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Check that the monthly payment fits your budget next to your existing obligations.

In Phillipsburg as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 494 residents.

What is available to Phillipsburg borrowers

Phillipsburg is a moderately settled community of about 494 people, with 143 larger places inside a 50-mile radius. Whether Phillipsburg has a local branch or not, a Ohio-licensed lender can serve its 494 people online on the same terms. The nearest larger city, Brookville, OH about 5 miles away.

How Ohio law applies in Phillipsburg

The rows below set out what a licensed lender must follow in Ohio, and so for Phillipsburg's roughly 494 residents.