Personal loans in Apple Creek, OH

With roughly 1,183 residents, Apple Creek is a small community, and the lending rules its borrowers live under are written in Ohio, not by the city. Census figures put the 2020-to-2023 decrease in Apple Creek at about 0.3%.

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

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An estimated 1,183 people make their home in Apple Creek, a figure that ranks 498th in Ohio. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Apple Creek loan. A single loan can carry different costs on either side of a state line, and Apple Creek sits on the Ohio side of that line. The closest larger place is Wooster, OH about 7 miles away.

What the Census records for Apple Creek

Set out below is Apple Creek's local context next to the state-level rules that reach every lender here.

Population: about 1,183 people live here, which puts Apple Creek 498th of 924 Census places in Ohio (Vintage 2023).
Population trend: The 2020-to-2023 change is negative, near 0.3%.
Absolute change: 4 residents lost between 2020 and 2023.
Size percentile: roughly 46% of Ohio's places have fewer residents than Apple Creek's 1,183.
Population density: about 2,015 people per square mile (Census land area 0.6 sq mi).
Land area: Apple Creek covers 0.6 square miles, the 646th-largest area among Ohio's 924 places.
Share of Ohio: Apple Creek holds about 0.0% of the state's population, some 1,183 people.
National standing: Apple Creek ranks 9,607th of 19,457 US places.
Growth rank: Apple Creek ranks 313th among Ohio's 924 places for the 2020-to-2023 change.
Against the state trend: Apple Creek's 0.3% change compares with a Ohio average of +0.9% across its 924 places.
Density rank: Apple Creek places 198th among Ohio's places by people per square mile.
Density vs Ohio: Apple Creek's 2,015 people per square mile compare with a state median of 1,289.
Location: mapped by the US Census Bureau at 40.7489, -81.8317.
Nearest larger cities: Wooster (7 mi); Orrville (7 mi); Dalton (8 mi); Smithville (8 mi); Shreve (11 mi). For most borrowers the comparison happens online, not at a branch.
Nearest smaller towns: Fredericksburg (5 mi); Mount Eaton (8 mi); Holmesville (10 mi) — useful context for the surrounding area.
Within a 50-mile radius: 71 smaller Census places.
At 100 miles: 371 larger Census places fall inside that radius.

Lender access in Apple Creek

Apple Creek is fairly dense, with about 2,015 people per square mile and 117 larger places within 50 miles. Distance to a branch rarely matters for Apple Creek's 1,183 residents: the application is online and the price follows your credit file. The nearest larger city, Wooster, OH about 7 miles away.

The anatomy of a Apple Creek personal loan

Most loans made to Apple Creek's 1,183 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Apple Creek lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Apple Creek loan is knowable in advance — unlike a revolving card balance.

Apple Creek on the map

Apple Creek covers about 0.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 2,015 residents per square mile. The largest place in Ohio, Columbus, lies about 80 miles away. Counting outward 50 miles, 117 larger communities surround Apple Creek. Within the same 50 miles lie 71 smaller Census places.

How Ohio law applies in Apple Creek

These are Ohio's sourced lending facts as they reach Apple Creek's 1,183 residents; the state has no city-level rate rule.

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

The Apple Creek borrowing checklist

Before you hand your details to a lender in Apple Creek, where the population is near 1,183:

Pull your credit reports first and correct any error before a lender sees the file.
Model the payment on the calculator before a lender models it for you.
Shop at least three lenders and judge them on APR and total cost.
Confirm the Ohio licence with the regulator named above before committing.
Read the disclosure for an origination fee and any prepayment penalty before signing.
Make sure the new payment leaves room in a budget you already keep.
Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across Ohio; what changes is your credit file, not the fact that Apple Creek holds 1,183 people.

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Common questions

What are my options in Apple Creek 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 Apple Creek is the same as anywhere in Ohio.

What loan size can I expect in Apple Creek?

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 Apple Creek?

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 Apple Creek 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

Fredericksburg, OH — population 405
Orrville, OH — population 8,422
Smithville, OH — population 1,333
Wooster, OH — population 27,030
Dalton, OH — population 1,924
Mount Eaton, OH — population 169
Holmesville, OH — population 373
Marshallville, OH — population 790