Personal loans in Stratton, OH

Stratton lost roughly 1.5% of its population across the 2020-to-2023 comparison. With 260 residents, Stratton outranks about 16% of the communities in Ohio.

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

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.

Personal loans in Stratton are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 260 population. Rate-shopping from Stratton costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A lender that serves Stratton operates under Ohio lending statutes and a Ohio supervisor. For a bigger market, look to New Cumberland, WV about 1 miles away.

Stratton by the numbers

Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.

What is available to Stratton borrowers

With about 484 residents per square mile, Stratton is lightly settled, and 274 larger Census places sit within 50 miles. Lenders licensed in Ohio reach Stratton's 260 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is New Cumberland, WV about 1 miles away.

How personal loans work in Stratton

A Stratton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 260 residents. Two numbers drive a Stratton loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Stratton loan is knowable in advance — unlike a revolving card balance.

Stratton on the map

Stratton covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 484 people per square mile. The state's population centre of gravity, Columbus, is roughly 130 miles away. Within 50 miles of Stratton there are 274 larger Census places. By land area it ranks 673rd of 924 Ohio places.

Ohio consumer-lending rules applied in Stratton

These are Ohio's sourced lending facts as they reach Stratton's 260 residents; the state has no city-level rate rule.

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

Stratton against the rest of Ohio

Against Ohio's other places, Stratton accounts for about 0.0% of the state's population and ranks 779th of 924 by size. For population change between 2020 and 2023, Stratton ranks 619th of 924 in Ohio (about the 33th percentile). By density, at about 484 people per square mile, it ranks 820th in Ohio. Within 50 miles sit 36 smaller Census places, alongside the 274 that are larger.

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

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