Personal loans in Washingtonville, OH
Washingtonville is a small community of about 701 residents, and a personal loan taken out here is governed by Ohio statute.
Every figure below is Ohio's own, applied to Washingtonville's 701 residents, with the publisher and retrieval date attached. With an estimated 701 residents, Washingtonville is the 594th-largest of 924 places in Ohio. Use the calculator on this page to price an amount and term before you commit in Washingtonville. Washingtonville shed about 1.8% of its population between the 2020 base and the 2023 estimate. Borrowers who want a bigger city can look to Leetonia, OH about 1 miles away.
Local context for Washingtonville
Two layers matter for a Washingtonville borrower: the local population picture and Ohio's consumer-lending statutes.
- Population: about 701, ranked 594th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 1.8% from 2020 to 2023.
- People gained or lost: about 13 fewer since the 2020 base.
- Size percentile: bigger than about 36% of the places in Ohio, with 701 residents in Washingtonville.
- Land and density: 0.7 square miles of land carry roughly 1,049 residents per square mile.
- By land area: Washingtonville ranks 618th among Ohio's 924 places, at 0.7 sq mi.
- State share: roughly 0.0% of Ohio's residents live in Washingtonville (701 people).
- Nationally: Washingtonville is the 11,796th-largest of 19,457 Census places in the dataset.
- Growth in Ohio: Washingtonville stands 687th by percentage change from 2020 to 2023, among 924 places.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Washingtonville's 1.8%.
- Density rank: Washingtonville is the 579th most densely settled place in Ohio.
- Density vs Ohio: Washingtonville's 1,049 people per square mile compare with a state median of 1,289.
- Location: mapped by the US Census Bureau at 40.8963, -80.7680.
- Nearest larger cities: Leetonia (1 mi); Salem (4 mi); Columbiana (5 mi); Lisbon (8 mi); New Waterford (8 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Rogers (10 mi); Hanoverton (13 mi); S.N.P.J. (14 mi), each with its own Census population profile.
- Within a 50-mile radius: 80 smaller Census places.
- Within 100 miles: 494 places are larger than Washingtonville.
How a Washingtonville personal loan is priced
Washingtonville is a small community of about 701 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Washingtonville lender to disclose the APR and finance charge before you sign. Shortening the term on a Washingtonville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Washingtonville's place among Ohio's 924 places
Washingtonville is the 594th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 687th of 924 Ohio places, putting it near the 26th percentile for growth. Its roughly 1,049 residents per square mile place it 579th among Ohio's places. By land area, its 0.7 square miles rank 618th of 924 places in Ohio.
How lenders reach Washingtonville
At roughly 1,049 people per square mile, Washingtonville is moderately settled; 168 larger places lie within 50 miles. Lenders licensed in Ohio reach Washingtonville's 701 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Leetonia, OH about 1 miles away.
The state rulebook for Washingtonville
Read the table as a lender's compliance picture for Washingtonville: the rule, the sourced figure, the publisher and the date.
| 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 |
Where Washingtonville sits
Washingtonville covers about 0.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 701 residents, the land area yields roughly 1,049 people per square mile. Columbus, the largest place in Ohio, is about 133 miles from Washingtonville. Counting outward 50 miles, 168 larger communities surround Washingtonville. Within the same 50 miles lie 80 smaller Census places.
Common questions
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Nearby places
- Leetonia, OH — population 1,790
- Salem, OH — population 11,715
- Columbiana, OH — population 6,757
- Lisbon, OH — population 2,533
- Canfield, OH — population 7,610
- New Waterford, OH — population 1,168
- Rogers, OH — population 187
- Poland, OH — population 2,423