Personal loans in Piqua, OH

Piqua gained roughly 1.8% in population across the 2020-to-2023 comparison. Begin with the payment, then weigh APR and total interest across the lenders that reach Piqua's 20,747 residents. Every figure below is Ohio's own, applied to Piqua's 20,747 residents, with the publisher and retrieval date attached. For a bigger market, look to Troy, OH about 7 miles away.

Piqua by the numbers

Here is the sourced Census picture for Piqua, plus the Ohio lending rules that apply to a loan taken out here.

• Population: a Census-estimated 20,747, 81st among Ohio's 924 places (Vintage 2023).
• Population trend: A gain of roughly 1.8% between 2020 and 2023.
• Net change: roughly 369 more people than the 2020 Census counted.
• Size percentile: about 91% of Ohio's Census places are smaller than Piqua.
• Land and density: 13.2 square miles of land carry roughly 1,577 residents per square mile.
• By land area: Piqua ranks 63rd among Ohio's 924 places, at 13.2 sq mi.
• Water area: Piqua has 0.28 square miles of water, ranking 48th of 924 places in Ohio.
• State population share: Piqua accounts for about 0.3% of everyone in Ohio.
• National rank: Piqua is 1,826th of 19,457 places nationwide.
• Growth rank: Piqua ranks 92nd among Ohio's 924 places for the 2020-to-2023 change.
• Versus Ohio: the state average change is +0.9%, while Piqua moved 1.8%.
• Density in Ohio: Piqua ranks 323rd by people per square mile.
• Against the state median: Piqua runs about 1,577 residents per square mile, where the Ohio median is 1,289.
• Location: 40.1471, -84.2435 (US Census Bureau Gazetteer).
• Nearest larger cities: Troy (7 mi); Huber Heights (21 mi); Trotwood (25 mi); Dayton (25 mi); Riverside (26 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Lockington (4 mi); Covington (6 mi); Fletcher (7 mi).
• Smaller places within 50 miles: 164 of them.
• Larger places within 100 miles: 49.

How a Piqua personal loan is priced

Most loans made to Piqua's 20,747 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Piqua loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Piqua loan but raises total interest, so the smallest payment is not the cheapest loan.

What to do before borrowing in Piqua

Before you apply in Piqua, a community of about 20,747, work through these steps:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the lender holds a Ohio licence by checking the regulator named above.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Pick the shortest term whose payment you can comfortably afford.

What differs between Piqua and the rest of Ohio is not the process but the borrower's own file, among the 20,747 people here.

How Ohio law applies in Piqua

Below are the Ohio rules that apply to a loan made in Piqua, each with the regulator that issued it.

Piqua's place among Ohio's 924 places

Set beside Ohio's 924 places, Piqua ranks 81st by population and holds about 0.3% of the state total. For population change between 2020 and 2023, Piqua ranks 92nd of 924 in Ohio (about the 90th percentile). At about 1,577 people per square mile, Piqua is the 323rd most densely settled place in Ohio. Between 2020 and 2023 the count changed by roughly 369 residents.

Piqua on the map

Piqua's land area is about 13.2 square miles; a further 0.28 square miles is water. The resulting density is about 1,577 people per square mile. The state's population centre of gravity, Columbus, is roughly 67 miles away. Piqua has 16 larger places within a 50-mile radius. The 100-mile radius contains 49 larger places.