Personal loans in Cloverdale, OH
The 2020 count to the 2023 estimate shows about 1.2% decline in Cloverdale. In Cloverdale, one of 924 Census places in Ohio, the figure to compare across lenders is the APR, not the advertised rate.
An estimated 167 people make their home in Cloverdale, a figure that ranks 844th in Ohio. A larger market lies at Dupont, OH about 2 miles away. Every figure below is Ohio's own, applied to Cloverdale's 167 residents, with the publisher and retrieval date attached. Work out your debt-to-income ratio first; lenders weigh it heavily, and Cloverdale's 167 residents are no exception.
Cloverdale: the sourced local profile
Cloverdale is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: the Census counts 167 residents in Cloverdale (Vintage 2023 subcounty estimate), the 844th-largest figure among Ohio's 924 places.
- Population trend: Roughly 1.2% fewer residents than the 2020 Census counted.
- People gained or lost: about 2 fewer since the 2020 base.
- Size percentile: roughly 9% of Ohio's places have fewer residents than Cloverdale's 167.
- Density: the Census land area of 0.6 sq mi holds about 271 people per square mile.
- Land area: Cloverdale covers 0.6 square miles, the 639th-largest area among Ohio's 924 places.
- State share: roughly 0.0% of Ohio's residents live in Cloverdale (167 people).
- National rank: Cloverdale sits 16,993rd by population among the 19,457 places in this dataset.
- Growth rank: Cloverdale's 2020-to-2023 change ranks 512th of 924 places in Ohio.
- Versus Ohio: the state average change is +0.9%, while Cloverdale moved 1.2%.
- Density in Ohio: Cloverdale ranks 882nd by people per square mile.
- Against the state median: Cloverdale runs about 271 residents per square mile, where the Ohio median is 1,289.
- Location: 41.0193, -84.2998 (US Census Bureau Gazetteer).
- Nearest larger cities: Dupont (2 mi); Continental (6 mi); Kalida (6 mi); Ottoville (6 mi); Oakwood (6 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Miller City (11 mi); Broughton (13 mi); New Bavaria (14 mi).
- Smaller places within 50 miles: 22 of them.
- Within 100 miles: 539 places are larger than Cloverdale.
What a Cloverdale borrower is actually offered
In Cloverdale, a small community of about 167, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Cloverdale's 167 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Cloverdale loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Borrowing reach in Cloverdale
With about 271 residents per square mile, Cloverdale is lightly settled, and 144 larger Census places sit within 50 miles. Lenders licensed in Ohio reach Cloverdale's 167 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Dupont, OH about 2 miles away.
Cloverdale's place among Ohio's 924 places
Against Ohio's other places, Cloverdale accounts for about 0.0% of the state's population and ranks 844th of 924 by size. For population change between 2020 and 2023, Cloverdale ranks 512th of 924 in Ohio (about the 45th percentile). Its roughly 271 residents per square mile place it 882nd among Ohio's places. By land area, its 0.6 square miles rank 639th of 924 places in Ohio.
Cloverdale: area, density and distance
The Census Gazetteer records about 0.6 square miles of land within Cloverdale, with no significant water area listed. With 167 residents, the land area yields roughly 271 people per square mile. Columbus, the largest place in Ohio, is about 99 miles from Cloverdale. Within 50 miles of Cloverdale there are 144 larger Census places. The 100-mile radius contains 539 larger places.
What Ohio law requires in Cloverdale
Read the table as a lender's compliance picture for Cloverdale: the rule, the sourced figure, the publisher and the date.
| 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 |
Common questions
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Nearby places
- Dupont, OH — population 206
- Continental, OH — population 1,087
- Ottoville, OH — population 970
- Oakwood, OH — population 540
- Kalida, OH — population 1,450
- Fort Jennings, OH — population 525
- Melrose, OH — population 231
- Delphos, OH — population 7,061