Personal loans in Adamsville, OH
Between the 2020 Census base and the 2023 estimate, Adamsville's population barely changed. For a borrower among the roughly 137 residents of Adamsville, a personal loan is a tool whose cost turns on the terms, not the address.
The Census counts 137 people in Adamsville, the 868th-largest figure among Ohio's 924 places. Borrowers who want a bigger city can look to Dresden, OH about 8 miles away. Every figure below is Ohio's own, applied to Adamsville's 137 residents, with the publisher and retrieval date attached. If debt is already a strain, a nonprofit credit counsellor can help Adamsville residents before they take on more.
Local context for Adamsville
Here is the sourced Census picture for Adamsville, plus the Ohio lending rules that apply to a loan taken out here.
- Population: about 137 people live here, which puts Adamsville 868th of 924 Census places in Ohio (Vintage 2023).
- Population trend: Stable from the 2020 base to 2023.
- Size percentile: about 6% of Ohio communities are smaller than Adamsville (137 residents).
- Density: the Census land area of 0.1 sq mi holds about 2,537 people per square mile.
- Land area: Adamsville covers 0.1 square miles, the 921st-largest area among Ohio's 924 places.
- Share of Ohio: Adamsville holds about 0.0% of the state's population, some 137 people.
- National rank: Adamsville is the 17,473rd most populous of the 19,457 Census places covered here.
- Growth in Ohio: Adamsville stands 259th by percentage change from 2020 to 2023, among 924 places.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Adamsville's 0.0%.
- Density rank: Adamsville places 103rd among Ohio's places by people per square mile.
- Against the state median: Adamsville runs about 2,537 residents per square mile, where the Ohio median is 1,289.
- Location: the Census Gazetteer records it at 40.0689, -81.8826.
- Nearest larger cities: Dresden (8 mi); Conesville (8 mi); New Concord (9 mi); Zanesville (10 mi); Plainfield (13 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Norwich (8 mi); Fultonham (20 mi); Nellie (21 mi), each with its own Census population profile.
- Smaller places within 50 miles: 17 of them.
- Larger places within 100 miles: 607.
Land, water and location for Adamsville
Adamsville covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 2,537 people per square mile. The largest place in Ohio, Columbus, lies about 59 miles away. A 50-mile radius around Adamsville takes in 133 places that are larger. By land area it ranks 921st of 924 Ohio places.
Ohio rules behind a Adamsville personal loan
For the roughly 137 residents of Adamsville, the rules below are Ohio's own; each row carries its publisher and retrieval date.
| 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 |
Getting a loan in Adamsville
At roughly 2,537 people per square mile, Adamsville is fairly dense; 133 larger places lie within 50 miles. Whether Adamsville has a local branch or not, a Ohio-licensed lender can serve its 137 people online on the same terms. For a larger market, the closest option is Dresden, OH about 8 miles away.
What a Adamsville borrower is actually offered
With roughly 137 residents, Adamsville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Adamsville loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Adamsville loan is knowable in advance — unlike a revolving card balance.
A practical checklist for Adamsville borrowers
Before you apply in Adamsville, a community of about 137, work through these steps:
- Start with the credit file: order the reports, fix the errors, then apply.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Check the Ohio regulator's records to confirm the lender is licensed here.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Make sure the new payment leaves room in a budget you already keep.
- Weigh a shorter term's higher payment against the interest it saves.
None of these steps is Adamsville-specific: the same Ohio licensing and disclosure rules reach all 137 residents.
Common questions
What are my options in Adamsville if my credit is poor?
What loan size can I expect in Adamsville?
Do I have to pledge anything to borrow in Adamsville?
Does comparing loans in Adamsville cost me credit score points?
Nearby places
- Conesville, OH — population 326
- Norwich, OH — population 90
- Dresden, OH — population 1,647
- New Concord, OH — population 2,286
- Zanesville, OH — population 24,651
- Coshocton, OH — population 11,091
- Philo, OH — population 721
- Plainfield, OH — population 142