Personal loans in Benton Ridge, OH

With an estimated 263 residents, Benton Ridge is the 778th-largest of 924 places in Ohio. Benton Ridge is a small community of about 263 residents, and a personal loan taken out here is governed by Ohio statute.

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

Compare loan offers Run the numbers first

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.

Rate-shopping from Benton Ridge costs nothing at pre-qualification, where a soft pull leaves your credit file alone. State law, not city hall, decides what a lender may do to Benton Ridge's roughly 263 residents, and a state regulator supervises it. Census figures put the 2020-to-2023 decrease in Benton Ridge at about 3.0%. A larger market lies at Rawson, OH about 3 miles away.

The Benton Ridge data picture

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

The anatomy of a Benton Ridge personal loan

With roughly 263 residents, Benton Ridge is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Benton Ridge's rank of 778th in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Benton Ridge loan is knowable in advance — unlike a revolving card balance.

Lender access in Benton Ridge

Benton Ridge is moderately settled, with about 701 people per square mile and 139 larger places within 50 miles. Distance to a branch rarely matters for Benton Ridge's 263 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Rawson, OH about 3 miles away.

Before you apply in Benton Ridge

A sensible order of operations for a loan in Benton Ridge, home to about 263 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Price the payment first with our personal loan calculator before any lender quotes 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. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Be clear on what the loan is for and how it gets repaid.

None of these steps is Benton Ridge-specific: the same Ohio licensing and disclosure rules reach all 263 residents.

Where Benton Ridge sits

Inside Benton Ridge's boundaries lie about 0.4 square miles of land, with no significant water area recorded. That land carries about 701 people per square mile. For the state's biggest city, Columbus, the distance is roughly 82 miles. Counting outward 50 miles, 139 larger communities surround Benton Ridge. The 100-mile radius contains 493 larger places.

Ohio consumer-lending rules applied in Benton Ridge

Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Benton Ridge lender must follow.

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
Payday lending statusLegal 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
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
Compare personal loan offers Run the numbers first

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