Personal loans in Ansonia, OH

An estimated 1,149 people make their home in Ansonia, a figure that ranks 504th in Ohio. The roughly 1,149 people who live in Ansonia borrow under Ohio rules; city hall sets no personal-loan rate.

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.

From the 2020 Census base to the 2023 estimate, the population declined by about 0.7%. Decide the purpose of the loan and your repayment plan before sharing any details with a Ansonia lender. Rate ceilings, licensing requirements and product limits for Ansonia are all set at the Ohio level. For a bigger market, look to Greenville, OH about 8 miles away.

Ansonia: the sourced local profile

What follows is Ansonia's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

Ansonia against the rest of Ohio

Against Ohio's other places, Ansonia accounts for about 0.0% of the state's population and ranks 504th of 924 by size. For population change between 2020 and 2023, Ansonia ranks 393rd of 924 in Ohio (about the 57th percentile). Its roughly 1,776 residents per square mile place it 259th among Ohio's places. Within 50 miles sit 90 smaller Census places, alongside the 96 that are larger.

Inside a Ansonia personal loan

In Ansonia, a small community of about 1,149, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Ansonia. A longer term lowers the monthly payment on a Ansonia loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Ansonia sits

Ansonia's land area is about 0.6 square miles; a further 0.02 square miles is water. That land carries about 1,776 people per square mile. For the state's biggest city, Columbus, the distance is roughly 89 miles. Within 50 miles of Ansonia there are 96 larger Census places. By land area it ranks 626th of 924 Ohio places.

Borrowing reach in Ansonia

Ansonia is moderately settled, with about 1,776 people per square mile and 96 larger places within 50 miles. Whether Ansonia has a local branch or not, a Ohio-licensed lender can serve its 1,149 people online on the same terms. The nearest larger city, Greenville, OH about 8 miles away.

How Ohio law applies in Ansonia

When Ohio does not publish a figure, the row links to the source instead of inventing a number; Ansonia is bound by the same rules.

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
Small-loan / installment lender licensingConsumer finance licenses required for non-depository lenders, including Consumer Installment Loan Act lenders, General Loan Law lenders, short-term lenders, and small loan lenders.
Source says: "We issue and manage licenses for companies and individuals under multiple Ohio statutes." (page's regulated-statutes list names Consumer Installment Loan Act lenders, General Loan Law lenders, Short-term lenders, Small loan lenders).
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

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

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