Personal loans in Summerfield, OH

Between the 2020 Census base and the 2023 estimate, Summerfield's population barely changed. Verify the lender's Ohio licence against the regulator named below before borrowing in Summerfield. The closest larger city is Caldwell, OH about 10 miles away. To lend to Summerfield's 243 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it.

Summerfield: population, trend and location

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

• Population: an estimated 243 residents, 786th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
• Population trend: Steady across the 2020-to-2023 comparison.
• Size percentile: about 15% of Ohio communities are smaller than Summerfield (243 residents).
• Land and density: 0.4 square miles of land carry roughly 655 residents per square mile.
• By land area: Summerfield ranks 740th among Ohio's 924 places, at 0.4 sq mi.
• State share: roughly 0.0% of Ohio's residents live in Summerfield (243 people).
• National rank: Summerfield sits 15,862nd by population among the 19,457 places in this dataset.
• Growth rank: Summerfield ranks 251st among Ohio's 924 places for the 2020-to-2023 change.
• State comparison: Ohio's places average +0.9% for 2020-to-2023, against Summerfield's 0.0%.
• Density in Ohio: Summerfield ranks 764th by people per square mile.
• Against the state median: Summerfield runs about 655 residents per square mile, where the Ohio median is 1,289.
• Location: latitude 39.7968, longitude -81.3353 (Census Gazetteer).
• Nearest larger cities: Caldwell (10 mi); Senecaville (12 mi); Woodsfield (12 mi); Quaker City (12 mi); Pleasant City (13 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places close by: Stafford (7 mi); Sarahsville (7 mi); Batesville (9 mi).
• Smaller places within 50 miles: 36 of them.
• At 100 miles: 580 larger Census places fall inside that radius.

Inside a Summerfield personal loan

A Summerfield personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 243 residents. The APR tracks your credit score rather than Summerfield's rank of 786th in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Summerfield loan but raises total interest, so the smallest payment is not the cheapest loan.

The Ohio lending rules that reach Summerfield

Ohio has no separate rate rule for Summerfield; the sourced rows below are what reach every lender that serves its 243 people.

Land, water and location for Summerfield

The Census Gazetteer records about 0.4 square miles of land within Summerfield, with no significant water area listed. That land carries about 655 people per square mile. The state's population centre of gravity, Columbus, is roughly 88 miles away. Counting outward 50 miles, 102 larger communities surround Summerfield. By land area it ranks 740th of 924 Ohio places.

Summerfield's place among Ohio's 924 places

Within Ohio, Summerfield holds roughly 0.0% of all residents, the 786th-largest share among 924 places. On the 2020-to-2023 trend, Summerfield stands 251st among Ohio's 924 places — roughly the 73th percentile. At about 655 people per square mile, Summerfield is the 764th most densely settled place in Ohio. Within 50 miles sit 36 smaller Census places, alongside the 102 that are larger.

A practical checklist for Summerfield borrowers

Before you hand your details to a lender in Summerfield, where the population is near 243:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Ohio licence with the regulator listed on this page.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Check that the monthly payment fits your budget next to your existing obligations.

In Summerfield as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 243 residents.