Personal loans in Timberlake, OH
Timberlake ranks 625th of 924 places in Ohio, with a population near 612. Personal loans in Timberlake are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 612 population. Verify the lender's Ohio licence against the regulator named below before borrowing in Timberlake. Lenders active in Timberlake report to a Ohio supervisor, identified in the sourced rows below. A 2020-to-2023 comparison shows Timberlake down by about 2.5%. For a bigger market, look to Eastlake, OH about 1 miles away.
Borrowing in Timberlake: the local picture
Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.
- Population: about 612 people live here, which puts Timberlake 625th of 924 Census places in Ohio (Vintage 2023).
- Population trend: Lower by roughly 2.5% since the 2020 count.
- Net change: roughly 16 fewer people than the 2020 Census counted.
- Size percentile: with 612 residents, Timberlake is larger than about 32% of Ohio's Census places.
- Density: roughly 2,900 residents per square mile, spread over 0.2 sq mi of land.
- Land area rank: Timberlake's 0.2 square miles rank 846th of 924 places in Ohio.
- Share of state population: Timberlake's 612 residents are about 0.0% of Ohio.
- National rank: Timberlake sits 12,347th by population among the 19,457 places in this dataset.
- Growth rank: Timberlake's 2020-to-2023 change ranks 823rd of 924 places in Ohio.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Timberlake's 2.5%.
- Density in Ohio: Timberlake ranks 68th by people per square mile.
- Density vs Ohio: Timberlake's 2,900 people per square mile compare with a state median of 1,289.
- Location: 41.6655, -81.4428 (Census Gazetteer coordinates).
- Nearest larger cities: Eastlake (1 mi); Willoughby (2 mi); Willowick (3 mi); Wickliffe (4 mi); Mentor-on-the-Lake (5 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places close by: Lakeline (1 mi); Waite Hill (5 mi); Grand River (10 mi).
- Smaller neighbours: 10 places smaller than Timberlake sit within 50 miles.
- Larger places within 100 miles: 363.
Which Ohio laws govern a loan in Timberlake
When Ohio does not publish a figure, the row links to the source instead of inventing a number; Timberlake is bound by the same rules.
| 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 |
| 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 |
| 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 |
A practical checklist for Timberlake borrowers
Before you apply in Timberlake, a community of about 612, work through these steps:
- Start with the credit file: order the reports, fix the errors, then apply.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's Ohio licence with the regulator listed on this page.
- Pick the shortest term whose payment you can comfortably afford.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
What differs between Timberlake and the rest of Ohio is not the process but the borrower's own file, among the 612 people here.
Timberlake's place among Ohio's 924 places
Set beside Ohio's 924 places, Timberlake ranks 625th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Timberlake stands 823rd among Ohio's 924 places — roughly the 11th percentile. Its roughly 2,900 residents per square mile place it 68th among Ohio's places. Between 2020 and 2023 the count changed by roughly 16 residents.
Borrowing reach in Timberlake
Timberlake is fairly dense, with about 2,900 people per square mile and 137 larger places within 50 miles. Distance to a branch rarely matters for Timberlake's 612 residents: the application is online and the price follows your credit file. The nearest larger city, Eastlake, OH about 1 miles away.
The geography behind Timberlake
The Census Gazetteer records about 0.2 square miles of land within Timberlake, with no significant water area listed. Spread across it are roughly 2,900 residents per square mile. The state's population centre of gravity, Columbus, is roughly 141 miles away. Within 50 miles of Timberlake there are 137 larger Census places. Within the same 50 miles lie 10 smaller Census places.
Common questions
What are my options in Timberlake if my credit is poor?
What loan size can I expect in Timberlake?
Do I have to pledge anything to borrow in Timberlake?
Does comparing loans in Timberlake cost me credit score points?
Nearby places
- Lakeline, OH — population 211
- Eastlake, OH — population 17,363
- Willoughby, OH — population 24,163
- Willowick, OH — population 14,123
- Wickliffe, OH — population 12,616
- Waite Hill, OH — population 527
- Willoughby Hills, OH — population 9,954
- Mentor-on-the-Lake, OH — population 7,084