Personal loans in Beavercreek, OH

At about 47,193 residents, Beavercreek is larger than roughly 98% of the places in Ohio. For a bigger market, look to Kettering, OH about 5 miles away. A single loan can carry different costs on either side of a state line, and Beavercreek sits on the Ohio side of that line. Pull your credit reports and line up at least three offers before you apply from Beavercreek.

Beavercreek by the numbers

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

• Population: 47,193 — Beavercreek ranks 22nd of 924 communities in Ohio (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 1.4% from 2020 to 2023.
• People gained or lost: about 633 more since the 2020 base.
• Size percentile: roughly 98% of Ohio's places have fewer residents than Beavercreek's 47,193.
• Population density: 1,775 people per square mile on 26.6 square miles of land.
• Land area: Beavercreek covers 26.6 square miles, the 15th-largest area among Ohio's 924 places.
• Water: Beavercreek holds about 0.03 square miles, the 266th-largest water area in Ohio.
• Share of state population: Beavercreek's 47,193 residents are about 0.6% of Ohio.
• Nationally: Beavercreek is the 845th-largest of 19,457 Census places in the dataset.
• Growth in Ohio: Beavercreek stands 117th by percentage change from 2020 to 2023, among 924 places.
• Against the state trend: Beavercreek's 1.4% change compares with a Ohio average of +0.9% across its 924 places.
• Density in Ohio: Beavercreek ranks 260th by people per square mile.
• Density in context: Beavercreek's 1,775 people per square mile sit against a Ohio median of 1,289.
• Location: latitude 39.7332, longitude -84.0596 (Census Gazetteer).
• Nearest larger cities: Kettering (5 mi); Dayton (8 mi); Springfield (20 mi); Middletown (23 mi); Hamilton (36 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places close by: Riverside (5 mi); Fairborn (5 mi); Oakwood (6 mi).
• Smaller places within 50 miles: 195 of them.
• Within 100 miles: 11 places are larger than Beavercreek.

The Beavercreek borrowing checklist

A sensible order of operations for a loan in Beavercreek, home to about 47,193 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Ohio regulator's licence records before you sign.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

What differs between Beavercreek and the rest of Ohio is not the process but the borrower's own file, among the 47,193 people here.

Ohio consumer-lending rules applied in Beavercreek

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

How lenders reach Beavercreek

At roughly 1,775 people per square mile, Beavercreek is moderately settled; 6 larger places lie within 50 miles. A Ohio licence lets a lender serve Beavercreek without a local office, so branch density does not change what its 47,193 residents are offered. The nearest larger city, Kettering, OH about 5 miles away.

Beavercreek's place among Ohio's 924 places

Set beside Ohio's 924 places, Beavercreek ranks 22nd by population and holds about 0.6% of the state total. For population change between 2020 and 2023, Beavercreek ranks 117th of 924 in Ohio (about the 87th percentile). By density, at about 1,775 people per square mile, it ranks 260th in Ohio. By land area, its 26.6 square miles rank 15th of 924 places in Ohio.

Inside a Beavercreek personal loan

A Beavercreek personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 47,193 residents. The APR tracks your credit score rather than Beavercreek's rank of 22nd in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Beavercreek loan but raises total interest, so the smallest payment is not the cheapest loan.