Personal loans in Sugarcreek, OH

Census figures put the 2020-to-2023 decrease in Sugarcreek at about 2.1%. Sugarcreek, Ohio — home to about 2,331 people — is a small community, so the terms you are offered follow Ohio law rather than any local rule.

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

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About 2,331 people live in Sugarcreek, placing it 372nd of 924 Census places in Ohio. Borrowers who want a bigger city can look to Dover, OH about 9 miles away. A lender that serves Sugarcreek operates under Ohio lending statutes and a Ohio supervisor. Compare APR, not the interest rate, because the APR folds in most fees on a Sugarcreek loan.

Sugarcreek 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 2,331 people live here, which puts Sugarcreek 372nd of 924 Census places in Ohio (Vintage 2023).
Population trend: A loss of roughly 2.1% between 2020 and 2023.
Change in people: the 2020-to-2023 comparison is a loss of about 51 residents.
Size percentile: bigger than about 60% of the places in Ohio, with 2,331 residents in Sugarcreek.
Population density: about 613 people per square mile across 3.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
Land area: Sugarcreek covers 3.8 square miles, the 255th-largest area among Ohio's 924 places.
Within Ohio: about 0.0% of the state's population lives in Sugarcreek.
National standing: Sugarcreek ranks 7,065th of 19,457 US places.
Growth in Ohio: Sugarcreek stands 752nd by percentage change from 2020 to 2023, among 924 places.
Against the state trend: Sugarcreek's 2.1% change compares with a Ohio average of +0.9% across its 924 places.
Density rank: Sugarcreek places 774th among Ohio's places by people per square mile.
Density in context: Sugarcreek's 613 people per square mile sit against a Ohio median of 1,289.
Location: mapped by the US Census Bureau at 40.5077, -81.6406.
Nearest larger cities: Dover (9 mi); Strasburg (9 mi); New Philadelphia (11 mi); Millersburg (15 mi); Newcomerstown (16 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller towns nearby: Baltic (5 mi); Parral (8 mi); Stone Creek (9 mi).
Within a 50-mile radius: 109 smaller Census places.
Within 100 miles: 322 places are larger than Sugarcreek.

Sugarcreek in state context

Set beside Ohio's 924 places, Sugarcreek ranks 372nd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Sugarcreek stands 752nd among Ohio's 924 places — roughly the 19th percentile. Its roughly 613 residents per square mile place it 774th among Ohio's places. By land area, its 3.8 square miles rank 255th of 924 places in Ohio.

The state rulebook for Sugarcreek

These are Ohio's sourced lending facts as they reach Sugarcreek's 2,331 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
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
Small-loan / installment lender licensing	Consumer finance licenses required for non-depository lenders, including Consumer Installment Loan Act lenders, General Loan Law lenders, short-term lenders, and small loan lenders. Source says: "We issue and manage licenses for companies and individuals under multiple Ohio statutes." (page's regulated-statutes list names Consumer Installment Loan Act lenders, General Loan Law lenders, Short-term lenders, Small loan lenders).	Ohio Department of Commerce - Division of Financial Institutions as of 2026-09-16

The Sugarcreek borrowing checklist

A sensible order of operations for a loan in Sugarcreek, home to about 2,331 people:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
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.
Borrow only what the purpose requires, not the maximum you are offered.
Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Sugarcreek-specific: the same Ohio licensing and disclosure rules reach all 2,331 residents.

How personal loans work in Sugarcreek

A Sugarcreek personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,331 residents. The APR tracks your credit score rather than Sugarcreek's rank of 372nd in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Sugarcreek loan is knowable in advance — unlike a revolving card balance.

Lender access in Sugarcreek

Sugarcreek is a moderately settled community of about 2,331 people, with 56 larger places inside a 50-mile radius. A Ohio licence lets a lender serve Sugarcreek without a local office, so branch density does not change what its 2,331 residents are offered. The nearest bigger place is Dover, OH about 9 miles away.

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Common questions

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

What loan size can I expect in Sugarcreek?

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 Sugarcreek?

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 Sugarcreek 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

Baltic, OH — population 826
Stone Creek, OH — population 144
Strasburg, OH — population 2,753
Wilmot, OH — population 280
Parral, OH — population 199
Beach City, OH — population 923
Dover, OH — population 12,985
Mount Eaton, OH — population 169