Personal loans in Thornville, OH

Two households in Thornville with comparable incomes can still be offered different rates; the city's 1,092 residents are not the reason. A 2020-to-2023 comparison shows Thornville up by about 0.8%.

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.

By population, Thornville sits at 509th in Ohio, with an estimated 1,092 residents. Read the disclosure for an origination fee and any prepayment penalty before signing in Thornville. For the 1,092 people in Thornville, Ohio runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. A larger market lies at Buckeye Lake, OH about 4 miles away.

Thornville: population, trend and location

Two layers matter for a Thornville borrower: the local population picture and Ohio's consumer-lending statutes.

Thornville: area, density and distance

Thornville covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 2,053 people per square mile. The state's population centre of gravity, Columbus, is roughly 31 miles away. Within 50 miles of Thornville there are 71 larger Census places. The 100-mile radius contains 266 larger places.

Inside a Thornville personal loan

Thornville is a small community of about 1,092 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Thornville loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Thornville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Getting a loan in Thornville

Thornville is fairly dense, with about 2,053 people per square mile and 71 larger places within 50 miles. Distance to a branch rarely matters for Thornville's 1,092 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Buckeye Lake, OH about 4 miles away.

Which Ohio laws govern a loan in Thornville

When Ohio does not publish a figure, the row links to the source instead of inventing a number; Thornville 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

Thornville against the rest of Ohio

Among Ohio's 924 places, Thornville sits at 509th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Thornville stands 159th among Ohio's 924 places — roughly the 83th percentile. At about 2,053 people per square mile, Thornville is the 191st most densely settled place in Ohio. Between 2020 and 2023 the count changed by roughly 9 residents.

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