Personal loans in Wellsville, OH

An estimated 3,041 people make their home in Wellsville, a figure that ranks 331st in Ohio. For a bigger market, look to East Liverpool, OH about 5 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Wellsville's 3,041 residents. If debt is already a strain, a nonprofit credit counsellor can help Wellsville residents before they take on more.

What the Census records for Wellsville

Set out below is Wellsville's local context next to the state-level rules that reach every lender here.

• Population: the Census counts 3,041 residents in Wellsville (Vintage 2023 subcounty estimate), the 331st-largest figure among Ohio's 924 places.
• Population trend: Down about 2.4% from the 2020 Census base to the 2023 estimate.
• Change in people: the 2020-to-2023 comparison is a loss of about 75 residents.
• Size percentile: roughly 64% of Ohio's places have fewer residents than Wellsville's 3,041.
• Population density: about 1,688 people per square mile across 1.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Wellsville's 1.8 square miles rank 388th of 924 places in Ohio.
• Water area: Wellsville has 0.11 square miles of water, ranking 131st of 924 places in Ohio.
• State share: roughly 0.0% of Ohio's residents live in Wellsville (3,041 people).
• Nationally: Wellsville is the 6,238th-largest of 19,457 Census places in the dataset.
• Growth in Ohio: Wellsville stands 797th by percentage change from 2020 to 2023, among 924 places.
• State comparison: Ohio's places average +0.9% for 2020-to-2023, against Wellsville's 2.4%.
• Density in Ohio: Wellsville ranks 291st by people per square mile.
• Density vs Ohio: Wellsville's 1,688 people per square mile compare with a state median of 1,289.
• Location: it lies at 40.6039, -80.6557 in the Census Gazetteer.
• Nearest larger cities: East Liverpool (5 mi); Toronto (10 mi); Ohioville (11 mi); Weirton (14 mi); Wintersville (16 mi). Larger metros often have more branches, but online lenders reach Wellsville on the same terms.
• Smaller places close by: Irondale (4 mi); Chester (5 mi); Stratton (6 mi).
• Smaller places within 50 miles: 191 of them.
• At 100 miles: 266 larger Census places fall inside that radius.

What shapes a Wellsville personal loan

Wellsville is a small community of about 3,041 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Wellsville's rank of 331st in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Wellsville decides the split between a comfortable payment and the total interest you pay.

What Ohio law requires in Wellsville

Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Wellsville lender must follow.

A practical checklist for Wellsville borrowers

Before you hand your details to a lender in Wellsville, where the population is near 3,041:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's Ohio licence with the regulator listed on this page.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Test the payment against your current bills before you commit.

What differs between Wellsville and the rest of Ohio is not the process but the borrower's own file, among the 3,041 people here.

Wellsville in state context

Among Ohio's 924 places, Wellsville sits at 331st for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Wellsville ranks 797th of 924 in Ohio (about the 14th percentile). At about 1,688 people per square mile, Wellsville is the 291st most densely settled place in Ohio. Within 50 miles sit 191 smaller Census places, alongside the 112 that are larger.

Wellsville: area, density and distance

The Census Gazetteer records 1.8 square miles of land and 0.11 square miles of water within Wellsville. That land carries about 1,688 people per square mile. For the state's biggest city, Columbus, the distance is roughly 130 miles. Counting outward 50 miles, 112 larger communities surround Wellsville. The 100-mile radius contains 266 larger places.