Personal loans in Berkey, OH

The first question in Berkey is not the rate on offer but whether the payment fits; about 284 people live here under Ohio lending law. From the 2020 Census base to the 2023 estimate, the population rose by about 2.9%.

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.

With an estimated 284 residents, Berkey is the 764th-largest of 924 places in Ohio. Price two or three terms so you can see which payment is truly affordable in Berkey. To lend to Berkey's 284 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. The closest larger place is Metamora, OH about 3 miles away.

Borrowing in Berkey: the local picture

Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.

Inside a Berkey personal loan

With roughly 284 residents, Berkey is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Berkey can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Berkey loan but raises total interest, so the smallest payment is not the cheapest loan.

Berkey's place among Ohio's 924 places

Berkey is the 764th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Berkey stands 57th among Ohio's 924 places — roughly the 94th percentile. Its roughly 67 residents per square mile place it 922nd among Ohio's places. By land area, its 4.2 square miles rank 235th of 924 places in Ohio.

The state rulebook for Berkey

Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Berkey 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

Getting a loan in Berkey

Berkey is a sparsely settled community of about 284 people, with 124 larger places inside a 50-mile radius. Lenders licensed in Ohio reach Berkey's 284 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Metamora, OH about 3 miles away.

Land, water and location for Berkey

Inside Berkey's boundaries lie about 4.2 square miles of land, with no significant water area recorded. Spread across it are roughly 67 residents per square mile. Columbus, the largest place in Ohio, is about 127 miles from Berkey. A 50-mile radius around Berkey takes in 124 places that are larger. By land area it ranks 235th of 924 Ohio places.

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

Related