Personal loans in Pleasantville, OH

Pleasantville ranks 536th of 924 places in Ohio, with a population near 951. Pleasantville is a small community of about 951 residents, and a personal loan taken out here is governed by Ohio statute.

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.

Use the calculator on this page to price an amount and term before you commit in Pleasantville. Consumer lending that reaches Pleasantville's 951 residents is governed by Ohio statute; no city ordinance changes it. The trend for Pleasantville between 2020 and 2023 is upward by roughly 0.8%. The next larger city is Baltimore, OH about 5 miles away.

The Pleasantville data picture

Pleasantville is a small community; the notes below cover its population profile and the statewide rules that apply.

The Pleasantville borrowing checklist

These steps shape the offer you get in Pleasantville, a place of about 951 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the lender holds a Ohio licence by checking the regulator named above.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. 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 Pleasantville holds 951 people.

Pleasantville on the map

Inside Pleasantville's boundaries lie about 0.3 square miles of land, with no significant water area recorded. Spread across it are roughly 3,509 residents per square mile. Columbus, the largest place in Ohio, is about 27 miles from Pleasantville. Pleasantville has 74 larger places within a 50-mile radius. By land area it ranks 796th of 924 Ohio places.

How personal loans work in Pleasantville

Pleasantville is a small community of about 951 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Pleasantville loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Pleasantville loan is knowable in advance — unlike a revolving card balance.

What Ohio law requires in Pleasantville

Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Pleasantville lender must follow.

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

Pleasantville against the rest of Ohio

Against Ohio's other places, Pleasantville accounts for about 0.0% of the state's population and ranks 536th of 924 by size. On the 2020-to-2023 trend, Pleasantville stands 157th among Ohio's 924 places — roughly the 83th percentile. Its roughly 3,509 residents per square mile place it 42nd among Ohio's places. Within 50 miles sit 60 smaller Census places, alongside the 74 that are larger.

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