Personal loans in West Rushville, OH

A lender serving West Rushville holds a Ohio licence and answers to a Ohio regulator; no city office is involved for its 165 residents. Roughly 165 residents live in West Rushville, the 846th-largest community in Ohio.

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

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For practical purposes, West Rushville's population was stable from the 2020 base to the 2023 estimate. Decide the purpose of the loan and your repayment plan before sharing any details with a West Rushville lender. For a bigger market, look to Rushville, OH about 1 miles away. State law, not city hall, decides what a lender may do to West Rushville's roughly 165 residents, and a state regulator supervises it.

Where West Rushville stands

What follows is West Rushville's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

Population: about 165, ranked 846th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
Population trend: Roughly level with the 2020 Census base.
Size percentile: roughly 8% of Ohio places rank below West Rushville.
Population density: about 2,538 people per square mile (Census land area 0.1 sq mi).
By land area: West Rushville ranks 919th among Ohio's 924 places, at 0.1 sq mi.
Share of state population: West Rushville's 165 residents are about 0.0% of Ohio.
Nationally: West Rushville is the 17,046th-largest of 19,457 Census places in the dataset.
Growth rank: West Rushville's 2020-to-2023 change ranks 255th of 924 places in Ohio.
Versus Ohio: the state average change is +0.9%, while West Rushville moved 0.0%.
Density rank: West Rushville places 102nd among Ohio's places by people per square mile.
Density in context: West Rushville's 2,538 people per square mile sit against a Ohio median of 1,289.
Location: 39.7644 / -82.4498, per the US Census Bureau Gazetteer.
Nearest larger cities: Rushville (1 mi); Bremen (4 mi); Pleasantville (5 mi); Thurston (7 mi); Junction City (8 mi). Larger metros often have more branches, but online lenders reach West Rushville on the same terms.
Smaller places nearby: Glenford (11 mi); Fultonham (18 mi); Hemlock (20 mi).
Within a 50-mile radius: 10 smaller Census places.
Within 100 miles: 488 places are larger than West Rushville.

Which Ohio laws govern a loan in West Rushville

Below are the Ohio rules that apply to a loan made in West Rushville, 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
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
Small-loan / installment lender licensing	Consumer finance licenses required for non-depository lenders, including Consumer Installment Loan Act lenders, General Loan Law lenders, short-term lenders, and small loan lenders. Source says: "We issue and manage licenses for companies and individuals under multiple Ohio statutes." (page's regulated-statutes list names Consumer Installment Loan Act lenders, General Loan Law lenders, Short-term lenders, Small loan lenders).	Ohio Department of Commerce - Division of Financial Institutions as of 2026-09-16

Steps to take before a West Rushville loan

Complete these steps first when you borrow in West Rushville (165 residents):

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Test your amount and term in the personal loan calculator first.
Shop at least three lenders and judge them on APR and total cost.
Confirm the Ohio licence with the regulator named above before committing.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Be clear on what the loan is for and how it gets repaid.

The process is identical across Ohio; what changes is your credit file, not the fact that West Rushville holds 165 people.

The geography behind West Rushville

Inside West Rushville's boundaries lie about 0.1 square miles of land, with no significant water area recorded. Spread across it are roughly 2,538 residents per square mile. The state's population centre of gravity, Columbus, is roughly 32 miles away. West Rushville has 123 larger places within a 50-mile radius. By land area it ranks 919th of 924 Ohio places.

How a West Rushville personal loan is priced

Most loans made to West Rushville's 165 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in West Rushville can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a West Rushville loan is knowable in advance — unlike a revolving card balance.

West Rushville against the rest of Ohio

Against Ohio's other places, West Rushville accounts for about 0.0% of the state's population and ranks 846th of 924 by size. On the 2020-to-2023 trend, West Rushville stands 255th among Ohio's 924 places — roughly the 72th percentile. At about 2,538 people per square mile, West Rushville is the 102nd most densely settled place in Ohio. Within 50 miles sit 10 smaller Census places, alongside the 123 that are larger.

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Common questions

What are my options in West Rushville 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 West Rushville is the same as anywhere in Ohio.

What loan size can I expect in West Rushville?

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 West Rushville?

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 West Rushville 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

Rushville, OH — population 304
Bremen, OH — population 1,502
Pleasantville, OH — population 951
Thurston, OH — population 605
Thornville, OH — population 1,092
Junction City, OH — population 720
Somerset, OH — population 1,473
Lancaster, OH — population 41,422