Personal loans in Wilmington, OH

The closest larger city is Xenia, OH about 19 miles away. The 2020 count to the 2023 estimate shows about 0.5% decline in Wilmington. Rate ceilings, licensing requirements and product limits for Wilmington are all set at the Ohio level. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Wilmington loan.

Wilmington: population, trend and location

Here is the sourced Census picture for Wilmington, plus the Ohio lending rules that apply to a loan taken out here.

• Population: the Census counts 12,600 residents in Wilmington (Vintage 2023 subcounty estimate), the 149th-largest figure among Ohio's 924 places.
• Population trend: Lower by roughly 0.5% since the 2020 count.
• People gained or lost: about 68 fewer since the 2020 base.
• Size percentile: about 84% of Ohio communities are smaller than Wilmington (12,600 residents).
• Density: the Census land area of 12.9 sq mi holds about 974 people per square mile.
• Land area rank: Wilmington's 12.9 square miles rank 69th of 924 places in Ohio.
• Water: Wilmington holds about 0.15 square miles, the 99th-largest water area in Ohio.
• State share: roughly 0.2% of Ohio's residents live in Wilmington (12,600 people).
• National rank: Wilmington is 2,677th of 19,457 places nationwide.
• Growth rank: Wilmington ranks 357th among Ohio's 924 places for the 2020-to-2023 change.
• State comparison: Ohio's places average +0.9% for 2020-to-2023, against Wilmington's 0.5%.
• Density rank: Wilmington places 614th among Ohio's places by people per square mile.
• Density in context: Wilmington's 974 people per square mile sit against a Ohio median of 1,289.
• Location: 39.4291, -83.8162 (US Census Bureau Gazetteer).
• Nearest larger cities: Xenia (19 mi); Lebanon (21 mi); Washington Court House (22 mi); Centerville (23 mi); Springboro (24 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Martinsville (7 mi); Port William (9 mi); Clarksville (9 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 167 smaller Census places.
• At 100 miles: 74 larger Census places fall inside that radius.

Wilmington on the map

Wilmington covers about 12.9 square miles of land, with 0.15 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 974 residents per square mile. The state's population centre of gravity, Columbus, is roughly 58 miles away. Within 50 miles of Wilmington there are 39 larger Census places. By land area it ranks 69th of 924 Ohio places.

How personal loans work in Wilmington

A Wilmington personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 12,600 residents. Because pricing is borrower-level, two people in Wilmington can be quoted different APRs on the same amount and term. The term you choose in Wilmington decides the split between a comfortable payment and the total interest you pay.

Wilmington in state context

Within Ohio, Wilmington holds roughly 0.2% of all residents, the 149th-largest share among 924 places. For population change between 2020 and 2023, Wilmington ranks 357th of 924 in Ohio (about the 61th percentile). By density, at about 974 people per square mile, it ranks 614th in Ohio. Within 50 miles sit 167 smaller Census places, alongside the 39 that are larger.

The state rulebook for Wilmington

Ohio has no separate rate rule for Wilmington; the sourced rows below are what reach every lender that serves its 12,600 people.

How lenders reach Wilmington

Wilmington is moderately settled, with about 974 people per square mile and 39 larger places within 50 miles. Whether Wilmington has a local branch or not, a Ohio-licensed lender can serve its 12,600 people online on the same terms. The nearest bigger place is Xenia, OH about 19 miles away.