Personal loans in Union, OH

Roughly 6,949 residents live in Union, the 214th-largest community in Ohio. Union added about 1.3% to its population between the 2020 base and the 2023 estimate.

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

Compare loan offers Run the numbers first

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.

The first question in Union is not the rate on offer but whether the payment fits; about 6,949 people live here under Ohio lending law. Which products a lender may offer to Union's 6,949 residents follows from the Ohio consumer-lending framework. Judge Union offers on total cost, not on how quickly the money arrives. The next larger city is Englewood, OH about 3 miles away.

What the Census records for Union

Most of what governs a Union loan is written in Ohio law rather than in the city; the sourced notes below make that split concrete.

Land, water and location for Union

Inside Union's boundaries lie roughly 8.3 square miles of land and 0.08 square miles of water. That land carries about 833 people per square mile. Columbus, the largest place in Ohio, is about 70 miles from Union. Counting outward 50 miles, 51 larger communities surround Union. By land area it ranks 128th of 924 Ohio places.

Inside a Union personal loan

A Union personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 6,949 residents. Two numbers drive a Union loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Union loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Union sits in Ohio

Within Ohio, Union holds roughly 0.1% of all residents, the 214th-largest share among 924 places. On the 2020-to-2023 trend, Union stands 124th among Ohio's 924 places — roughly the 87th percentile. Its roughly 833 residents per square mile place it 681st among Ohio's places. In land area, Union ranks 128th among Ohio's 924 places.

How Ohio law applies in Union

Below are the Ohio rules that apply to a loan made in Union, each with the regulator that issued it.

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
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
Small-loan / installment lender licensingConsumer 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

Lender access in Union

At roughly 833 people per square mile, Union is moderately settled; 51 larger places lie within 50 miles. Lenders licensed in Ohio reach Union's 6,949 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Englewood, OH about 3 miles away.

Compare personal loan offers Run the numbers first

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

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