Personal loans in Sharonville, OH
Sharonville is a small town of about 13,882 residents, and a personal loan taken out here is governed by Ohio statute. With 13,882 residents, Sharonville outranks about 86% of the communities in Ohio.
Sharonville shed about 1.6% of its population between the 2020 base and the 2023 estimate. State law, not city hall, decides what a lender may do to Sharonville's roughly 13,882 residents, and a state regulator supervises it. Compare APR, not the interest rate, because the APR folds in most fees on a Sharonville loan. A larger market lies at Forest Park, OH about 6 miles away.
Borrowing in Sharonville: the local picture
Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.
- Population: 13,882 residents; Sharonville is the 125th-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 1.6% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 227 residents.
- Size percentile: bigger than about 86% of the places in Ohio, with 13,882 residents in Sharonville.
- Land and density: 9.8 square miles of land carry roughly 1,415 residents per square mile.
- By land area: Sharonville ranks 102nd among Ohio's 924 places, at 9.8 sq mi.
- Water: Sharonville holds about 0.05 square miles, the 208th-largest water area in Ohio.
- Share of Ohio: Sharonville holds about 0.2% of the state's population, some 13,882 people.
- National standing: Sharonville ranks 2,489th of 19,457 US places.
- Growth rank: Sharonville ranks 642nd among Ohio's 924 places for the 2020-to-2023 change.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Sharonville's 1.6%.
- Density rank: Sharonville places 397th among Ohio's places by people per square mile.
- Density vs Ohio: Sharonville's 1,415 people per square mile compare with a state median of 1,289.
- Location: 39.2806, -84.4075 (US Census Bureau Gazetteer).
- Nearest larger cities: Forest Park (6 mi); Fairfield (8 mi); Mason (8 mi); Norwood (9 mi); Cincinnati (11 mi). Living near a larger metro rarely changes what is available in Sharonville.
- Nearest smaller towns: Evendale (2 mi); Blue Ash (3 mi); Glendale (3 mi).
- Smaller neighbours: 191 places smaller than Sharonville sit within 50 miles.
- At 100 miles: 74 larger Census places fall inside that radius.
Sharonville on the map
The Census Gazetteer records 9.8 square miles of land and 0.05 square miles of water within Sharonville. That land carries about 1,415 people per square mile. Columbus, the largest place in Ohio, is about 90 miles from Sharonville. Within 50 miles of Sharonville there are 28 larger Census places. The 100-mile radius contains 74 larger places.
The Ohio lending rules that reach Sharonville
For the roughly 13,882 residents of Sharonville, 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 |
What to do before borrowing in Sharonville
For Sharonville's roughly 13,882 residents, these are the steps that most influence the offer:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Use the loan calculator to test the payment on your intended amount and term.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- 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.
- Borrow only what the purpose requires, not the maximum you are offered.
- Decide the purpose and how you will repay it before approaching any lender.
None of these steps is Sharonville-specific: the same Ohio licensing and disclosure rules reach all 13,882 residents.
How lenders reach Sharonville
Sharonville is a moderately settled community of about 13,882 people, with 28 larger places inside a 50-mile radius. Distance to a branch rarely matters for Sharonville's 13,882 residents: the application is online and the price follows your credit file. The nearest larger city, Forest Park, OH about 6 miles away.
Sharonville's place among Ohio's 924 places
Sharonville is the 125th-largest of 924 Census places in Ohio and contains about 0.2% of the state's people. On the 2020-to-2023 trend, Sharonville stands 642nd among Ohio's 924 places — roughly the 31th percentile. Its roughly 1,415 residents per square mile place it 397th among Ohio's places. In land area, Sharonville ranks 102nd among Ohio's 924 places.
Common questions
What are my options in Sharonville if my credit is poor?
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Does comparing loans in Sharonville cost me credit score points?
Nearby places
- Evendale, OH — population 2,630
- Blue Ash, OH — population 13,408
- Glendale, OH — population 2,263
- Lincoln Heights, OH — population 3,101
- Reading, OH — population 10,380
- Montgomery, OH — population 10,801
- Woodlawn, OH — population 3,867
- Springdale, OH — population 11,073