Personal loans in Wren, OH
Wren is a small community of about 153 residents, and a personal loan taken out here is governed by Ohio statute. For a community of about 153, the practical step is to compare APR across at least three lenders before committing.
The Census counts 153 people in Wren, the 859th-largest figure among Ohio's 924 places. When Ohio caps or restricts a product, lenders either change the terms or withdraw it from Wren as from the rest of the state. Census figures put the 2020-to-2023 decrease in Wren at about 2.5%. A larger market lies at Willshire, OH about 4 miles away.
Where Wren stands
Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.
- Population: a Census-estimated 153, 859th among Ohio's 924 places (Vintage 2023).
- Population trend: A loss of roughly 2.5% between 2020 and 2023.
- Net change: roughly 4 fewer people than the 2020 Census counted.
- Size percentile: Wren sits ahead of around 7% of Ohio places, at 153 people.
- Land and density: 0.3 square miles of land carry roughly 552 residents per square mile.
- By land area: Wren ranks 790th among Ohio's 924 places, at 0.3 sq mi.
- State share: roughly 0.0% of Ohio's residents live in Wren (153 people).
- National rank: Wren is the 17,256th most populous of the 19,457 Census places covered here.
- Growth in Ohio: Wren stands 824th by percentage change from 2020 to 2023, among 924 places.
- Against the state trend: Wren's 2.5% change compares with a Ohio average of +0.9% across its 924 places.
- Density in Ohio: Wren ranks 792nd by people per square mile.
- Against the state median: Wren runs about 552 residents per square mile, where the Ohio median is 1,289.
- Location: it lies at 40.8027, -84.7723 in the Census Gazetteer.
- Nearest larger cities: Willshire (4 mi); Decatur (8 mi); Ohio City (8 mi); Convoy (9 mi); Monroe (10 mi). A branch is convenient; it is not what sets your APR.
- Smaller places close by: Elgin (16 mi); Venedocia (17 mi); Vera Cruz (18 mi).
- Smaller places within 50 miles: 14 of them.
- At 100 miles: 558 larger Census places fall inside that radius.
Where Wren sits in Ohio
Among Ohio's 924 places, Wren sits at 859th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Wren stands 824th among Ohio's 924 places — roughly the 11th percentile. At about 552 people per square mile, Wren is the 792nd most densely settled place in Ohio. Between 2020 and 2023 the count changed by roughly 4 residents.
What shapes a Wren personal loan
With roughly 153 residents, Wren is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Wren can be quoted different APRs on the same amount and term. Shortening the term on a Wren loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Which Ohio laws govern a loan in Wren
These are Ohio's sourced lending facts as they reach Wren's 153 residents; the state has no city-level rate rule.
| 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 |
| 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 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 |
How lenders reach Wren
With about 552 residents per square mile, Wren is moderately settled, and 135 larger Census places sit within 50 miles. Lenders licensed in Ohio reach Wren's 153 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Willshire, OH about 4 miles away.
Wren on the map
Wren's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 552 people per square mile. Columbus, the largest place in Ohio, is about 110 miles from Wren. Within 50 miles of Wren there are 135 larger Census places. Within the same 50 miles lie 14 smaller Census places.
Common questions
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Nearby places
- Willshire, OH — population 397
- Convoy, OH — population 1,000
- Decatur, IN — population 10,020
- Ohio City, OH — population 641
- Rockford, OH — population 1,029
- Monroe, IN — population 894
- Van Wert, OH — population 11,040
- Monroeville, IN — population 1,330