Personal loans in Wadsworth, OH
Wadsworth is a smaller city of about 24,709 residents, and a personal loan taken out here is governed by Ohio statute. By population, Wadsworth sits at 64th in Ohio, with an estimated 24,709 residents.
Census figures put the 2020-to-2023 increase in Wadsworth at about 2.9%. Every figure below is Ohio's own, applied to Wadsworth's 24,709 residents, with the publisher and retrieval date attached. Work out your debt-to-income ratio first; lenders weigh it heavily, and Wadsworth's 24,709 residents are no exception. For a bigger market, look to Medina, OH about 10 miles away.
Wadsworth by the numbers
Most of what governs a Wadsworth loan is written in Ohio law rather than in the city; the sourced notes below make that split concrete.
- Population: 24,709 — Wadsworth ranks 64th of 924 communities in Ohio (US Census Bureau, Vintage 2023).
- Population trend: Up about 2.9% from the 2020 Census base to the 2023 estimate.
- Absolute change: 688 residents added between 2020 and 2023.
- Size percentile: with 24,709 residents, Wadsworth is larger than about 93% of Ohio's Census places.
- Land and density: 11.5 square miles of land carry roughly 2,156 residents per square mile.
- By land area: Wadsworth ranks 82nd among Ohio's 924 places, at 11.5 sq mi.
- State population share: Wadsworth accounts for about 0.3% of everyone in Ohio.
- National standing: Wadsworth ranks 1,586th of 19,457 US places.
- Growth rank: Wadsworth ranks 58th among Ohio's 924 places for the 2020-to-2023 change.
- Against the state trend: Wadsworth's 2.9% change compares with a Ohio average of +0.9% across its 924 places.
- Density in Ohio: Wadsworth ranks 164th by people per square mile.
- Against the state median: Wadsworth runs about 2,156 residents per square mile, where the Ohio median is 1,289.
- Location: 41.0274 / -81.7322, per the US Census Bureau Gazetteer.
- Nearest larger cities: Medina (10 mi); Akron (12 mi); Cuyahoga Falls (14 mi); Green (14 mi); Brunswick (16 mi). Lenders licensed in the state serve Wadsworth whether or not they keep a local branch.
- Smaller places close by: Doylestown (4 mi); Norton (5 mi); Rittman (5 mi).
- Smaller places within 50 miles: 196 of them.
- At 100 miles: 42 larger Census places fall inside that radius.
What Ohio law requires in Wadsworth
Below are the Ohio rules that apply to a loan made in Wadsworth, each with the regulator that issued it.
| 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 |
| 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 status | Legal 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 |
Wadsworth: area, density and distance
Wadsworth's land area is roughly 11.5 square miles, and the Gazetteer records no significant water area within it. With 24,709 residents, the land area yields roughly 2,156 people per square mile. For the state's biggest city, Columbus, the distance is roughly 98 miles. Wadsworth has 28 larger places within a 50-mile radius. Within the same 50 miles lie 196 smaller Census places.
What shapes a Wadsworth personal loan
With roughly 24,709 residents, Wadsworth is a smaller city; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Wadsworth. Shortening the term on a Wadsworth loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
How lenders reach Wadsworth
Wadsworth is fairly dense, with about 2,156 people per square mile and 28 larger places within 50 miles. What is available to Wadsworth's 24,709 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest larger city, Medina, OH about 10 miles away.
How Wadsworth compares across Ohio
Set beside Ohio's 924 places, Wadsworth ranks 64th by population and holds about 0.3% of the state total. Its 2020-to-2023 change ranks 58th of 924 Ohio places, putting it near the 94th percentile for growth. By density, at about 2,156 people per square mile, it ranks 164th in Ohio. In land area, Wadsworth ranks 82nd among Ohio's 924 places.
Common questions
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Nearby places
- Doylestown, OH — population 3,053
- Rittman, OH — population 6,105
- Norton, OH — population 11,398
- Marshallville, OH — population 790
- Barberton, OH — population 24,563
- Seville, OH — population 2,366
- Clinton, OH — population 1,189
- Fairlawn, OH — population 7,682