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%.
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.
- Population: 284 residents; Berkey is the 764th-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
- Population trend: Roughly 2.9% more residents than the 2020 Census counted.
- People gained or lost: about 8 more since the 2020 base.
- Size percentile: about 17% of Ohio's Census places are smaller than Berkey.
- Population density: about 67 people per square mile across 4.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Berkey's 4.2 square miles rank 235th of 924 places in Ohio.
- Within Ohio: about 0.0% of the state's population lives in Berkey.
- National standing: Berkey ranks 15,296th of 19,457 US places.
- Growth rank: Berkey's 2020-to-2023 change ranks 57th of 924 places in Ohio.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Berkey's 2.9%.
- Density rank: Berkey is the 922nd most densely settled place in Ohio.
- Against the state median: Berkey runs about 67 residents per square mile, where the Ohio median is 1,289.
- Location: the Census Gazetteer records it at 41.7084, -83.8383.
- Nearest larger cities: Metamora (3 mi); Sylvania (7 mi); Blissfield (9 mi); Swanton (9 mi); Holland (9 mi). Lenders licensed in the state serve Berkey whether or not they keep a local branch.
- Nearest smaller towns: Harbor View (20 mi); Clay Center (26 mi); Milton Center (28 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 19 smaller Census places.
- Within 100 miles: 468 places are larger than Berkey.
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.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer 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.
Common questions
What are my options in Berkey if my credit is poor?
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Does comparing loans in Berkey cost me credit score points?
Nearby places
- Metamora, OH — population 551
- Blissfield, MI — population 3,263
- Sylvania, OH — population 19,035
- Swanton, OH — population 3,856
- Holland, OH — population 1,794
- Deerfield, MI — population 889
- Whitehouse, OH — population 5,063
- Ottawa Hills, OH — population 4,786