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.

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

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.

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.

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.

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

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.

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

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