Personal loans in Richfield, OH

Two households in Richfield with comparable incomes can still be offered different rates; the city's 3,704 residents are not the reason. Judge Richfield offers on total cost, not on how quickly the money arrives. Consumer lending that reaches Richfield's 3,704 residents is governed by Ohio statute; no city ordinance changes it. The nearest larger city is Brecksville, OH about 5 miles away.

The Richfield data picture

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

• Population: about 3,704 people live here, which puts Richfield 295th of 924 Census places in Ohio (Vintage 2023).
• Population trend: Roughly 0.6% fewer residents than the 2020 Census counted.
• Net change: roughly 24 fewer people than the 2020 Census counted.
• Size percentile: with 3,704 residents, Richfield is larger than about 68% of Ohio's Census places.
• Population density: about 400 people per square mile (Census land area 9.3 sq mi).
• Land area: Richfield covers 9.3 square miles, the 112th-largest area among Ohio's 924 places.
• State population share: Richfield accounts for about 0.0% of everyone in Ohio.
• National rank: Richfield is the 5,663rd most populous of the 19,457 Census places covered here.
• Growth in Ohio: Richfield stands 380th by percentage change from 2020 to 2023, among 924 places.
• Against the state trend: Richfield's 0.6% change compares with a Ohio average of +0.9% across its 924 places.
• Density rank: Richfield is the 843rd most densely settled place in Ohio.
• Against the state median: Richfield runs about 400 residents per square mile, where the Ohio median is 1,289.
• Location: it lies at 41.2331, -81.6439 in the Census Gazetteer.
• Nearest larger cities: Brecksville (5 mi); Cuyahoga Falls (6 mi); Broadview Heights (6 mi); Fairlawn (7 mi); North Royalton (8 mi). Larger metros often have more branches, but online lenders reach Richfield on the same terms.
• Smaller places nearby: Peninsula (5 mi); Boston Heights (7 mi); Northfield (10 mi).
• Smaller neighbours: 101 places smaller than Richfield sit within 50 miles.
• At 100 miles: 186 larger Census places fall inside that radius.

A practical checklist for Richfield borrowers

For Richfield's roughly 3,704 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the Ohio licence with the regulator named above before committing.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Look for an origination fee or prepayment penalty in the written disclosure.

The process is identical across Ohio; what changes is your credit file, not the fact that Richfield holds 3,704 people.

Lender access in Richfield

At roughly 400 people per square mile, Richfield is lightly settled; 104 larger places lie within 50 miles. Distance to a branch rarely matters for Richfield's 3,704 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Brecksville, OH about 5 miles away.

Richfield: area, density and distance

Inside Richfield's boundaries lie about 9.3 square miles of land, with no significant water area recorded. With 3,704 residents, the land area yields roughly 400 people per square mile. Columbus, the largest place in Ohio, is about 111 miles from Richfield. A 50-mile radius around Richfield takes in 104 places that are larger. The 100-mile radius contains 186 larger places.

Richfield against the rest of Ohio

Among Ohio's 924 places, Richfield sits at 295th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Richfield stands 380th among Ohio's 924 places — roughly the 59th percentile. At about 400 people per square mile, Richfield is the 843rd most densely settled place in Ohio. In land area, Richfield ranks 112th among Ohio's 924 places.

What Ohio law requires in Richfield

Read the table as a lender's compliance picture for Richfield: the rule, the sourced figure, the publisher and the date.