Personal loans in Adena, OH

Two households in Adena with comparable incomes can still be offered different rates; the city's 646 residents are not the reason. Compare APR, not the interest rate, because the APR folds in most fees on a Adena loan. For the 646 people in Adena, Ohio runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. For a bigger market, look to Cadiz, OH about 7 miles away.

Adena: the sourced local profile

The figures below are Adena's own — Census population, land area and coordinates — followed by the Ohio rules.

• Population: 646 people, a figure that places Adena 618th among the 924 Census places in Ohio (US Census Bureau, Vintage 2023).
• Population trend: Down about 2.7% from the 2020 Census base to the 2023 estimate.
• Absolute change: 18 residents lost between 2020 and 2023.
• Size percentile: Adena's 646 people outrank roughly 33% of the places in Ohio.
• Density: roughly 1,203 residents per square mile, spread over 0.5 sq mi of land.
• Land area: Adena covers 0.5 square miles, the 672nd-largest area among Ohio's 924 places.
• Within Ohio: about 0.0% of the state's population lives in Adena.
• National rank: Adena sits 12,122nd by population among the 19,457 places in this dataset.
• Growth rank: Adena's 2020-to-2023 change ranks 847th of 924 places in Ohio.
• Versus Ohio: the state average change is +0.9%, while Adena moved 2.7%.
• Density rank: Adena is the 506th most densely settled place in Ohio.
• Against the state median: Adena runs about 1,203 residents per square mile, where the Ohio median is 1,289.
• Location: latitude 40.2167, longitude -80.8762 (Census Gazetteer).
• Nearest larger cities: Cadiz (7 mi); Hopedale (8 mi); St. Clairsville (10 mi); Tiltonsville (10 mi); Yorkville (10 mi). Lenders licensed in the state serve Adena whether or not they keep a local branch.
• Nearest smaller towns: Harrisville (2 mi); Mount Pleasant (5 mi); Dillonvale (5 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 90 smaller Census places.
• Larger places within 100 miles: 519.

A pre-application checklist for Adena

Before you hand your details to a lender in Adena, where the population is near 646:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Model the payment on the calculator before a lender models it for you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Look the lender up in the Ohio regulator's licence records before you sign.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is Adena-specific: the same Ohio licensing and disclosure rules reach all 646 residents.

Ohio consumer-lending rules applied in Adena

For the roughly 646 residents of Adena, the rules below are Ohio's own; each row carries its publisher and retrieval date.

The geography behind Adena

The Census Gazetteer records about 0.5 square miles of land within Adena, with no significant water area listed. The resulting density is about 1,203 people per square mile. For the state's biggest city, Columbus, the distance is roughly 113 miles. Adena has 141 larger places within a 50-mile radius. The 100-mile radius contains 519 larger places.

The anatomy of a Adena personal loan

A Adena personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 646 residents. Because pricing is borrower-level, two people in Adena can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Adena loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Adena

Adena is moderately settled, with about 1,203 people per square mile and 141 larger places within 50 miles. Lenders licensed in Ohio reach Adena's 646 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Cadiz, OH about 7 miles away.