Personal loans in Zoar, OH

From the 2020 Census base to the 2023 estimate, the population declined by about 1.7%. Verify the lender's Ohio licence against the regulator named below before borrowing in Zoar. The closest larger city is Mineral City, OH about 3 miles away. A single loan can carry different costs on either side of a state line, and Zoar sits on the Ohio side of that line.

Zoar by the numbers

Zoar is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: a Census-estimated 173, 840th among Ohio's 924 places (Vintage 2023).
• Population trend: A decline of about 1.7% across the 2020-to-2023 comparison.
• People gained or lost: about 3 fewer since the 2020 base.
• Size percentile: Zoar's 173 people outrank roughly 9% of the places in Ohio.
• Population density: 300 people per square mile on 0.6 square miles of land.
• Land area: Zoar covers 0.6 square miles, the 653rd-largest area among Ohio's 924 places.
• Water: Zoar holds about 0.09 square miles, the 154th-largest water area in Ohio.
• Within Ohio: about 0.0% of the state's population lives in Zoar.
• National rank: Zoar sits 16,912th by population among the 19,457 places in this dataset.
• Growth rank: Zoar ranks 660th among Ohio's 924 places for the 2020-to-2023 change.
• State comparison: Ohio's places average +0.9% for 2020-to-2023, against Zoar's 1.7%.
• Density in Ohio: Zoar ranks 874th by people per square mile.
• Density in context: Zoar's 300 people per square mile sit against a Ohio median of 1,289.
• Location: coordinates 40.6130, -81.4230 (US Census Bureau Gazetteer).
• Nearest larger cities: Mineral City (3 mi); Bolivar (3 mi); East Sparta (5 mi); Parral (5 mi); Strasburg (6 mi). A branch is convenient; it is not what sets your APR.
• Smaller places nearby: Mount Eaton (16 mi); Leesville (16 mi); Stone Creek (16 mi).
• Within a 50-mile radius: 16 smaller Census places.
• Larger places within 100 miles: 731.

Land, water and location for Zoar

The Census Gazetteer records 0.6 square miles of land and 0.09 square miles of water within Zoar. The resulting density is about 300 people per square mile. The state's population centre of gravity, Columbus, is roughly 93 miles away. Within 50 miles of Zoar there are 174 larger Census places. Within the same 50 miles lie 16 smaller Census places.

Before you apply in Zoar

A sensible order of operations for a loan in Zoar, home to about 173 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's Ohio licence with the regulator listed on this page.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Zoar-specific: the same Ohio licensing and disclosure rules reach all 173 residents.

The state rulebook for Zoar

Read the table as a lender's compliance picture for Zoar: the rule, the sourced figure, the publisher and the date.

How lenders reach Zoar

With about 300 residents per square mile, Zoar is lightly settled, and 174 larger Census places sit within 50 miles. Distance to a branch rarely matters for Zoar's 173 residents: the application is online and the price follows your credit file. The nearest larger city, Mineral City, OH about 3 miles away.

Where Zoar sits in Ohio

Within Ohio, Zoar holds roughly 0.0% of all residents, the 840th-largest share among 924 places. On the 2020-to-2023 trend, Zoar stands 660th among Ohio's 924 places — roughly the 29th percentile. At about 300 people per square mile, Zoar is the 874th most densely settled place in Ohio. In land area, Zoar ranks 653rd among Ohio's 924 places.