Personal loans in Steubenville, OH

The roughly 18,064 people who live in Steubenville borrow under Ohio rules; city hall sets no personal-loan rate. The Census estimates 18,064 residents in Steubenville, which ranks it 99th 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.

Borrowers who want a bigger city can look to Weirton, WV about 6 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 0.6%. To lend to Steubenville's 18,064 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. Begin with the payment, then weigh APR and total interest across the lenders that reach Steubenville's 18,064 residents.

What the Census records for Steubenville

What follows is Steubenville's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

Ohio rules behind a Steubenville personal loan

When Ohio does not publish a figure, the row links to the source instead of inventing a number; Steubenville is bound by the same rules.

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

Borrowing reach in Steubenville

Steubenville is a moderately settled community of about 18,064 people, with 11 larger places inside a 50-mile radius. Whether Steubenville has a local branch or not, a Ohio-licensed lender can serve its 18,064 people online on the same terms. For a larger market, the closest option is Weirton, WV about 6 miles away.

Steubenville in state context

Against Ohio's other places, Steubenville accounts for about 0.2% of the state's population and ranks 99th of 924 by size. On the 2020-to-2023 trend, Steubenville stands 363rd among Ohio's 924 places — roughly the 61th percentile. Its roughly 1,714 residents per square mile place it 278th among Ohio's places. In land area, Steubenville ranks 93rd among Ohio's 924 places.

Land, water and location for Steubenville

Inside Steubenville's boundaries lie roughly 10.5 square miles of land and 0.08 square miles of water. With 18,064 residents, the land area yields roughly 1,714 people per square mile. The largest place in Ohio, Columbus, lies about 126 miles away. Counting outward 50 miles, 11 larger communities surround Steubenville. The 100-mile radius contains 55 larger places.

Inside a Steubenville personal loan

Steubenville is a small town of about 18,064 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Steubenville's 18,064 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Steubenville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

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