Personal loans in Piketon, OH

A lender serving Piketon holds a Ohio licence and answers to a Ohio regulator; no city office is involved for its 2,157 residents. An estimated 2,157 people make their home in Piketon, a figure that ranks 386th in Ohio.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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Population in Piketon climbed about 2.2% over the three years from 2020 to 2023. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Piketon's 2,157 residents. Use the calculator on this page to price an amount and term before you commit in Piketon. The nearest larger city is Waverly, OH about 4 miles away.

The Piketon data picture

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

Population: the Census counts 2,157 residents in Piketon (Vintage 2023 subcounty estimate), the 386th-largest figure among Ohio's 924 places.
Population trend: The 2020-to-2023 change is positive, near 2.2%.
Change in people: the 2020-to-2023 comparison is a gain of about 47 residents.
Size percentile: about 58% of Ohio's Census places are smaller than Piketon.
Population density: 858 people per square mile on 2.5 square miles of land.
Land area: Piketon covers 2.5 square miles, the 320th-largest area among Ohio's 924 places.
Water area: Piketon has 0.05 square miles of water, ranking 204th of 924 places in Ohio.
State share: roughly 0.0% of Ohio's residents live in Piketon (2,157 people).
Nationally: Piketon is the 7,358th-largest of 19,457 Census places in the dataset.
Growth rank: Piketon ranks 74th among Ohio's 924 places for the 2020-to-2023 change.
State comparison: Ohio's places average +0.9% for 2020-to-2023, against Piketon's 2.2%.
Density in Ohio: Piketon ranks 669th by people per square mile.
Density vs Ohio: Piketon's 858 people per square mile compare with a state median of 1,289.
Location: latitude 39.0660, longitude -82.9971 (Census Gazetteer).
Nearest larger cities: Waverly (4 mi); Jackson (19 mi); Chillicothe (19 mi); Portsmouth (22 mi); New Boston (22 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Nearest smaller towns: Beaver (9 mi); Rarden (16 mi); Otway (17 mi) — useful context for the surrounding area.
Within a 50-mile radius: 59 smaller Census places.
Within 100 miles: 220 places are larger than Piketon.

Land, water and location for Piketon

Piketon covers about 2.5 square miles of land, with 0.05 square miles of water inside its boundaries (Census Gazetteer). With 2,157 residents, the land area yields roughly 858 people per square mile. Columbus, the largest place in Ohio, is about 63 miles from Piketon. Within 50 miles of Piketon there are 25 larger Census places. The 100-mile radius contains 220 larger places.

What a Piketon borrower is actually offered

In Piketon, a small community of about 2,157, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Piketon loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Piketon decides the split between a comfortable payment and the total interest you pay.

Piketon in state context

Within Ohio, Piketon holds roughly 0.0% of all residents, the 386th-largest share among 924 places. Its 2020-to-2023 change ranks 74th of 924 Ohio places, putting it near the 92th percentile for growth. At about 858 people per square mile, Piketon is the 669th most densely settled place in Ohio. Within 50 miles sit 59 smaller Census places, alongside the 25 that are larger.

Which Ohio laws govern a loan in Piketon

For the roughly 2,157 residents of Piketon, the rules below are Ohio's own; each row carries its publisher and retrieval date.

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
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 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

Steps to take before a Piketon loan

These steps shape the offer you get in Piketon, a place of about 2,157 people:

Get your credit reports, dispute what is wrong, and only then start shopping.
Model the payment on the calculator before a lender models it for you.
Get several pre-qualifications and compare APR side by side before choosing.
Check the Ohio regulator's records to confirm the lender is licensed here.
Weigh a shorter term's higher payment against the interest it saves.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Decide the purpose and how you will repay it before approaching any lender.

The process is identical across Ohio; what changes is your credit file, not the fact that Piketon holds 2,157 people.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Piketon 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 Piketon is the same as anywhere in Ohio.

What loan size can I expect in Piketon?

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 Piketon?

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 Piketon 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

Waverly, OH — population 4,114
Beaver, OH — population 436
Chillicothe, OH — population 21,895
Otway, OH — population 90
Rarden, OH — population 141
Portsmouth, OH — population 17,555
Bainbridge, OH — population 753
New Boston, OH — population 2,229