Personal loans in South Vienna, OH

Two households in South Vienna with comparable incomes can still be offered different rates; the city's 401 residents are not the reason. With an estimated 401 residents, South Vienna is the 709th-largest of 924 places in Ohio.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

South Vienna shed about 1.5% of its population between the 2020 base and the 2023 estimate. Verify the lender's Ohio licence against the regulator named below before borrowing in South Vienna. The nearest larger city is South Charleston, OH about 7 miles away. Lenders active in South Vienna report to a Ohio supervisor, identified in the sourced rows below.

Where South Vienna stands

Set out below is South Vienna's local context next to the state-level rules that reach every lender here.

What a South Vienna borrower is actually offered

A South Vienna personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 401 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in South Vienna. The term you choose in South Vienna decides the split between a comfortable payment and the total interest you pay.

How Ohio law applies in South Vienna

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

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
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 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

How South Vienna compares across Ohio

Set beside Ohio's 924 places, South Vienna ranks 709th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, South Vienna ranks 602nd of 924 in Ohio (about the 35th percentile). At about 616 people per square mile, South Vienna is the 773rd most densely settled place in Ohio. Within 50 miles sit 36 smaller Census places, alongside the 141 that are larger.

Land, water and location for South Vienna

Inside South Vienna's boundaries lie about 0.7 square miles of land, with no significant water area recorded. With 401 residents, the land area yields roughly 616 people per square mile. The largest place in Ohio, Columbus, lies about 34 miles away. South Vienna has 141 larger places within a 50-mile radius. Within the same 50 miles lie 36 smaller Census places.

What is available to South Vienna borrowers

At roughly 616 people per square mile, South Vienna is moderately settled; 141 larger places lie within 50 miles. What is available to South Vienna's 401 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest larger city, South Charleston, OH about 7 miles away.

Compare personal loan offers Run the numbers first

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

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