Personal loans in St. Paris, OH

The Census counts 1,885 people in St. Paris, the 405th-largest figure among Ohio's 924 places. St. Paris is a small community of about 1,885 residents, and a personal loan taken out here is governed by Ohio statute. St.

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

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Paris added about 0.3% to its population between the 2020 base and the 2023 estimate. Price two or three terms so you can see which payment is truly affordable in St. Paris. State law, not city hall, decides what a lender may do to St. Paris's roughly 1,885 residents, and a state regulator supervises it. The nearest larger metro is Urbana, OH about 11 miles away.

What the Census records for St. Paris

The figures below are St. Paris's own — Census population, land area and coordinates — followed by the Ohio rules.

Population: 1,885 people, a figure that places St. Paris 405th among the 924 Census places in Ohio (US Census Bureau, Vintage 2023).
Population trend: Roughly 0.3% more residents than the 2020 Census counted.
People gained or lost: about 5 more since the 2020 base.
Size percentile: about 56% of Ohio's Census places are smaller than St. Paris.
Density: roughly 1,164 residents per square mile, spread over 1.6 sq mi of land.
Land area rank: St. Paris's 1.6 square miles rank 414th of 924 places in Ohio.
Within Ohio: about 0.0% of the state's population lives in St. Paris.
National rank: St. Paris sits 7,846th by population among the 19,457 places in this dataset.
Growth in Ohio: St. Paris stands 213th by percentage change from 2020 to 2023, among 924 places.
Versus Ohio: the state average change is +0.9%, while St. Paris moved 0.3%.
Density rank: St. Paris is the 529th most densely settled place in Ohio.
Density vs Ohio: St. Paris's 1,164 people per square mile compare with a state median of 1,289.
Location: 40.1269 / -83.9644, per the US Census Bureau Gazetteer.
Nearest larger cities: Urbana (11 mi); New Carlisle (13 mi); Piqua (15 mi); Troy (15 mi); Sidney (15 mi). Online lenders reach St. Paris no matter how far the nearest branch is.
Smaller communities close by: Christiansburg (6 mi); Fletcher (8 mi); North Hampton (10 mi), each with its own Census population profile.
Smaller places within 50 miles: 110 of them.
Within 100 miles: 276 places are larger than St. Paris.

What to do before borrowing in St. Paris

These steps shape the offer you get in St. Paris, a place of about 1,885 people:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Model the payment on the calculator before a lender models it for you.
Collect three or more offers and compare them on APR, not on the advertised rate.
Verify the lender's Ohio licence with the regulator listed on this page.
Pick the shortest term whose payment you can comfortably afford.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Be clear on what the loan is for and how it gets repaid.

The process is identical across Ohio; what changes is your credit file, not the fact that St. Paris holds 1,885 people.

St. Paris: area, density and distance

St. Paris covers about 1.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,164 people per square mile. The largest place in Ohio, Columbus, lies about 53 miles away. Counting outward 50 miles, 75 larger communities surround St. Paris. Within the same 50 miles lie 110 smaller Census places.

Getting a loan in St. Paris

St. Paris is a moderately settled community of about 1,885 people, with 75 larger places inside a 50-mile radius. Lenders licensed in Ohio reach St. Paris's 1,885 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Urbana, OH about 11 miles away.

St. Paris in state context

Against Ohio's other places, St. Paris accounts for about 0.0% of the state's population and ranks 405th of 924 by size. Its 2020-to-2023 change ranks 213th of 924 Ohio places, putting it near the 77th percentile for growth. Its roughly 1,164 residents per square mile place it 529th among Ohio's places. By land area, its 1.6 square miles rank 414th of 924 places in Ohio.

The Ohio lending rules that reach St. Paris

This table holds the Ohio rate and licensing rules for consumer loans made to St. Paris's 1,885 residents.

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

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Common questions

What are my options in St. Paris 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 St. Paris is the same as anywhere in Ohio.

What loan size can I expect in St. Paris?

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 St. Paris?

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 St. Paris 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

Christiansburg, OH — population 501
North Hampton, OH — population 455
Fletcher, OH — population 458
Quincy, OH — population 543
Tremont City, OH — population 346
Casstown, OH — population 271
De Graff, OH — population 1,251
New Carlisle, OH — population 5,494