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 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.

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.

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.

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

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):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Verify the lender's Ohio licence with the regulator listed on this page.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Test the payment against your current bills before you commit.
  7. 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.

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