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.
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.
- Population: about 260 people live here, which puts Stratton 779th of 924 Census places in Ohio (Vintage 2023).
- Population trend: A drop of about 1.5% from 2020 to 2023.
- People gained or lost: about 4 fewer since the 2020 base.
- Size percentile: about 16% of Ohio communities are smaller than Stratton (260 residents).
- Population density: 484 people per square mile on 0.5 square miles of land.
- Land area rank: Stratton's 0.5 square miles rank 673rd of 924 places in Ohio.
- State population share: Stratton accounts for about 0.0% of everyone in Ohio.
- National rank: Stratton sits 15,624th by population among the 19,457 places in this dataset.
- Growth rank: Stratton's 2020-to-2023 change ranks 619th of 924 places in Ohio.
- Against the state trend: Stratton's 1.5% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: Stratton is the 820th most densely settled place in Ohio.
- Density in context: Stratton's 484 people per square mile sit against a Ohio median of 1,289.
- Location: 40.5254, -80.6314 (US Census Bureau Gazetteer).
- Nearest larger cities: New Cumberland (1 mi); Toronto (5 mi); Wellsville (6 mi); Irondale (6 mi); Chester (7 mi). Living near a larger metro rarely changes what is available in Stratton.
- Smaller towns nearby: Empire (1 mi); Hookstown (10 mi); Frankfort Springs (10 mi).
- Smaller neighbours: 36 places smaller than Stratton sit within 50 miles.
- At 100 miles: 701 larger Census places fall inside that radius.
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.
| 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 |
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.
Common questions
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Nearby places
- New Cumberland, WV — population 984
- Empire, OH — population 225
- Toronto, OH — population 5,190
- Wellsville, OH — population 3,041
- Irondale, OH — population 316
- Chester, WV — population 2,113
- East Liverpool, OH — population 9,705
- Weirton, WV — population 18,386