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.

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

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.

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.

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.

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

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.

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

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