Personal loans in Buckland, OH
From the 2020 Census base to the 2023 estimate, the population declined by about 3.8%. A personal loan in Buckland is priced from your credit file and income, not from the fact that the city holds 229 people.
By population, Buckland sits at 796th in Ohio, with an estimated 229 residents. The nearest larger city is Wapakoneta, OH about 5 miles away. To lend to Buckland's 229 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. Rate-shopping from Buckland costs nothing at pre-qualification, where a soft pull leaves your credit file alone.
Buckland by the numbers
Set out below is Buckland's local context next to the state-level rules that reach every lender here.
- Population: an estimated 229 residents, 796th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
- Population trend: A loss of roughly 3.8% between 2020 and 2023.
- People gained or lost: about 9 fewer since the 2020 base.
- Size percentile: Buckland's 229 people outrank roughly 14% of the places in Ohio.
- Density: roughly 763 residents per square mile, spread over 0.3 sq mi of land.
- By land area: Buckland ranks 777th among Ohio's 924 places, at 0.3 sq mi.
- Share of state population: Buckland's 229 residents are about 0.0% of Ohio.
- Nationally: Buckland is the 16,028th-largest of 19,457 Census places in the dataset.
- Growth rank: Buckland's 2020-to-2023 change ranks 913th of 924 places in Ohio.
- Versus Ohio: the state average change is +0.9%, while Buckland moved 3.8%.
- Density rank: Buckland places 709th among Ohio's places by people per square mile.
- Density vs Ohio: Buckland's 763 people per square mile compare with a state median of 1,289.
- Location: 40.6234, -84.2600 (Census Gazetteer coordinates).
- Nearest larger cities: Wapakoneta (5 mi); Cridersville (7 mi); Spencerville (8 mi); St. Marys (9 mi); New Knoxville (9 mi). Living near a larger metro rarely changes what is available in Buckland.
- Nearest smaller towns: Kettlersville (13 mi); Elgin (14 mi); Venedocia (15 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 37 of them.
- Within 100 miles: 563 places are larger than Buckland.
What Ohio law requires in Buckland
These are Ohio's sourced lending facts as they reach Buckland's 229 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 |
| 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 |
Buckland's place among Ohio's 924 places
Among Ohio's 924 places, Buckland sits at 796th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 913th of 924 Ohio places, putting it near the 1th percentile for growth. At about 763 people per square mile, Buckland is the 709th most densely settled place in Ohio. Within 50 miles sit 37 smaller Census places, alongside the 131 that are larger.
What to do before borrowing in Buckland
Complete these steps first when you borrow in Buckland (229 residents):
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Verify the lender's Ohio licence with the regulator listed on this page.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
- Pick the shortest term whose payment you can comfortably afford.
What differs between Buckland and the rest of Ohio is not the process but the borrower's own file, among the 229 people here.
The geography behind Buckland
The Census Gazetteer records about 0.3 square miles of land within Buckland, with no significant water area listed. The resulting density is about 763 people per square mile. For the state's biggest city, Columbus, the distance is roughly 80 miles. A 50-mile radius around Buckland takes in 131 places that are larger. The 100-mile radius contains 563 larger places.
The anatomy of a Buckland personal loan
With roughly 229 residents, Buckland is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Buckland. Shortening the term on a Buckland loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
What are my options in Buckland if my credit is poor?
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Does comparing loans in Buckland cost me credit score points?
Nearby places
- Wapakoneta, OH — population 9,786
- Cridersville, OH — population 1,746
- Spencerville, OH — population 2,164
- New Knoxville, OH — population 905
- St. Marys, OH — population 8,377
- Elida, OH — population 1,900
- Kettlersville, OH — population 161
- Lima, OH — population 34,794