Personal loans in Urbana, OH

Urbana is a small town in Ohio, with an estimated 11,161 residents, and every licensed lender here follows the same state rulebook. The Census counts 11,161 people in Urbana, the 159th-largest figure among Ohio's 924 places.

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.

A larger market lies at Springfield, OH about 13 miles away. The trend for Urbana between 2020 and 2023 is upward by roughly 0.2%. When Ohio caps or restricts a product, lenders either change the terms or withdraw it from Urbana as from the rest of the state. Price two or three terms so you can see which payment is truly affordable in Urbana.

Local context for Urbana

Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.

Where Urbana sits

Urbana's land area is roughly 8.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,342 people per square mile. The largest place in Ohio, Columbus, lies about 42 miles away. Counting outward 50 miles, 39 larger communities surround Urbana. The 100-mile radius contains 88 larger places.

Which Ohio laws govern a loan in Urbana

Read the table as a lender's compliance picture for Urbana: the rule, the sourced figure, the publisher and the date.

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

What a Urbana borrower is actually offered

In Urbana, a small town of about 11,161, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Urbana lender to disclose the APR and finance charge before you sign. The term you choose in Urbana decides the split between a comfortable payment and the total interest you pay.

How Urbana compares across Ohio

Urbana is the 159th-largest of 924 Census places in Ohio and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 222nd of 924 Ohio places, putting it near the 76th percentile for growth. Its roughly 1,342 residents per square mile place it 435th among Ohio's places. By land area, its 8.3 square miles rank 129th of 924 places in Ohio.

How lenders reach Urbana

Urbana is moderately settled, with about 1,342 people per square mile and 39 larger places within 50 miles. What is available to Urbana's 11,161 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Springfield, OH about 13 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 Urbana 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 Urbana is the same as anywhere in Ohio.
What loan size can I expect in Urbana?
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 Urbana?
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 Urbana 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

Related