Personal loans in Rayland, OH

Rayland counts about 383 people, and what is genuinely local about borrowing here is limited — Ohio law does the governing. Judge Rayland offers on total cost, not on how quickly the money arrives. State law, not city hall, decides what a lender may do to Rayland's roughly 383 residents, and a state regulator supervises it. The closest larger place is Tiltonsville, OH about 1 miles away.

The Rayland data picture

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

• Population: 383 residents; Rayland is the 719th-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 2.5% since the 2020 count.
• People gained or lost: about 10 fewer since the 2020 base.
• Size percentile: about 22% of Ohio's Census places are smaller than Rayland.
• Population density: 810 people per square mile on 0.5 square miles of land.
• Land area: Rayland covers 0.5 square miles, the 698th-largest area among Ohio's 924 places.
• Water area rank: Rayland ranks 281st among Ohio's 924 places, with 0.03 sq mi.
• State share: roughly 0.0% of Ohio's residents live in Rayland (383 people).
• National rank: Rayland is 14,263rd of 19,457 places nationwide.
• Growth rank: Rayland's 2020-to-2023 change ranks 820th of 924 places in Ohio.
• Against the state trend: Rayland's 2.5% change compares with a Ohio average of +0.9% across its 924 places.
• Density in Ohio: Rayland ranks 690th by people per square mile.
• Density in context: Rayland's 810 people per square mile sit against a Ohio median of 1,289.
• Location: mapped by the US Census Bureau at 40.1834, -80.6918.
• Nearest larger cities: Tiltonsville (1 mi); Yorkville (2 mi); Clearview (3 mi); Beech Bottom (3 mi); Dillonvale (5 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller places: Windsor Heights (2 mi); Mount Pleasant (6 mi); New Alexandria (8 mi).
• Smaller neighbours: 70 places smaller than Rayland sit within 50 miles.
• At 100 miles: 591 larger Census places fall inside that radius.

What is available to Rayland borrowers

At roughly 810 people per square mile, Rayland is moderately settled; 214 larger places lie within 50 miles. A Ohio licence lets a lender serve Rayland without a local office, so branch density does not change what its 383 residents are offered. The nearest bigger place is Tiltonsville, OH about 1 miles away.

Inside a Rayland personal loan

Rayland is a small community of about 383 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Rayland's rank of 719th in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Rayland loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How Rayland compares across Ohio

Among Ohio's 924 places, Rayland sits at 719th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Rayland ranks 820th of 924 in Ohio (about the 11th percentile). Its roughly 810 residents per square mile place it 690th among Ohio's places. Within 50 miles sit 70 smaller Census places, alongside the 214 that are larger.

The geography behind Rayland

Inside Rayland's boundaries lie roughly 0.5 square miles of land and 0.03 square miles of water. Spread across it are roughly 810 residents per square mile. For the state's biggest city, Columbus, the distance is roughly 122 miles. Rayland has 214 larger places within a 50-mile radius. The 100-mile radius contains 591 larger places.

Which Ohio laws govern a loan in Rayland

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