Personal loans in Windham, OH

Personal loans in Windham are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,668 population. Census figures put the 2020-to-2023 increase in Windham at about 0.4%.

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

Compare loan offers Run the numbers first

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.

Windham is one of 924 Census places in Ohio; its 1,668 residents put it at 429th. Decide the purpose of the loan and your repayment plan before sharing any details with a Windham lender. State law, not city hall, decides what a lender may do to Windham's roughly 1,668 residents, and a state regulator supervises it. The nearest larger metro is Garrettsville, OH about 4 miles away.

Windham by the numbers

Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.

Where Windham sits in Ohio

Within Ohio, Windham holds roughly 0.0% of all residents, the 429th-largest share among 924 places. On the 2020-to-2023 trend, Windham stands 194th among Ohio's 924 places — roughly the 79th percentile. Its roughly 811 residents per square mile place it 689th among Ohio's places. By land area, its 2.1 square miles rank 361st of 924 places in Ohio.

Where Windham sits

Windham's land area is roughly 2.1 square miles, and the Gazetteer records no significant water area within it. That land carries about 811 people per square mile. The state's population centre of gravity, Columbus, is roughly 134 miles away. A 50-mile radius around Windham takes in 143 places that are larger. Within the same 50 miles lie 86 smaller Census places.

Inside a Windham personal loan

A Windham personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,668 residents. The APR tracks your credit score rather than Windham's rank of 429th in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Windham loan is knowable in advance — unlike a revolving card balance.

Borrowing reach in Windham

Windham is moderately settled, with about 811 people per square mile and 143 larger places within 50 miles. Lenders licensed in Ohio reach Windham's 1,668 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Garrettsville, OH about 4 miles away.

How Ohio law applies in Windham

This table holds the Ohio rate and licensing rules for consumer loans made to Windham's 1,668 residents.

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
Compare personal loan offers Run the numbers first

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

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