Personal loans in Commercial Point, OH

With an estimated 3,215 residents, Commercial Point is the 321st-largest of 924 places in Ohio. Commercial Point counts about 3,215 people, and what is genuinely local about borrowing here is limited — Ohio law does the governing.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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Use the calculator on this page to price an amount and term before you commit in Commercial Point. Every figure below is Ohio's own, applied to Commercial Point's 3,215 residents, with the publisher and retrieval date attached. Commercial Point gained roughly 4.4% in population across the 2020-to-2023 comparison. The nearest larger metro is Ashville, OH about 6 miles away.

What the Census records for Commercial Point

What follows is Commercial Point's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

Population: an estimated 3,215 residents, 321st of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
Population trend: About 4.4% above the 2020 Census base.
Change in people: the 2020-to-2023 comparison is a gain of about 136 residents.
Size percentile: Commercial Point sits ahead of around 65% of Ohio places, at 3,215 people.
Land and density: 4.2 square miles of land carry roughly 758 residents per square mile.
Land area rank: Commercial Point's 4.2 square miles rank 234th of 924 places in Ohio.
Within Ohio: about 0.0% of the state's population lives in Commercial Point.
National standing: Commercial Point ranks 6,060th of 19,457 US places.
Growth rank: Commercial Point's 2020-to-2023 change ranks 42nd of 924 places in Ohio.
Against the state trend: Commercial Point's 4.4% change compares with a Ohio average of +0.9% across its 924 places.
Density rank: Commercial Point places 713th among Ohio's places by people per square mile.
Density in context: Commercial Point's 758 people per square mile sit against a Ohio median of 1,289.
Location: 39.7904 / -83.0184, per the US Census Bureau Gazetteer.
Nearest larger cities: Ashville (6 mi); Obetz (6 mi); Grove City (8 mi); Groveport (8 mi); Canal Winchester (11 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller places close by: Lockbourne (2 mi); South Bloomfield (5 mi); Harrisburg (8 mi).
Within a 50-mile radius: 95 smaller Census places.
At 100 miles: 188 larger Census places fall inside that radius.

The Commercial Point borrowing checklist

A sensible order of operations for a loan in Commercial Point, home to about 3,215 people:

Start with the credit file: order the reports, fix the errors, then apply.
Test your amount and term in the personal loan calculator first.
Get several pre-qualifications and compare APR side by side before choosing.
Look the lender up in the Ohio regulator's licence records before you sign.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
Check the disclosure for fees that raise the true cost above the quoted rate.
Check that the monthly payment fits your budget next to your existing obligations.

What differs between Commercial Point and the rest of Ohio is not the process but the borrower's own file, among the 3,215 people here.

The geography behind Commercial Point

Inside Commercial Point's boundaries lie about 4.2 square miles of land, with no significant water area recorded. The resulting density is about 758 people per square mile. Columbus, the largest place in Ohio, is about 13 miles from Commercial Point. Within 50 miles of Commercial Point there are 45 larger Census places. The 100-mile radius contains 188 larger places.

The Ohio lending rules that reach Commercial Point

When Ohio does not publish a figure, the row links to the source instead of inventing a number; Commercial Point is bound by the same rules.

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
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
Maximum legal interest rate (usury cap)	8% per annum maximum by written agreement for the general case; higher rates permitted only in specified cases (e.g., principal over $100,000, business loans, certain mortgages). Source says: "may stipulate therein for the payment of interest upon the amount thereof at any rate not exceeding eight per cent per annum payable annually" (Ohio Rev. Code 1343.01(A)). [codes.ohio.gov content retrieved via search-engine fetch of the official section; direct connections blocked from our network]	Ohio Laws (Ohio Revised Code - official state publication) as of 2026-09-16

What shapes a Commercial Point personal loan

A Commercial Point personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 3,215 residents. Federal Truth in Lending rules require a Commercial Point lender to disclose the APR and finance charge before you sign. The term you choose in Commercial Point decides the split between a comfortable payment and the total interest you pay.

How Commercial Point compares across Ohio

Among Ohio's 924 places, Commercial Point sits at 321st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Commercial Point stands 42nd among Ohio's 924 places — roughly the 95th percentile. By density, at about 758 people per square mile, it ranks 713th in Ohio. The population moved by about 136 people between 2020 and 2023, a 4.4% shift.

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Common questions

What are my options in Commercial Point 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 Commercial Point is the same as anywhere in Ohio.

What loan size can I expect in Commercial Point?

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 Commercial Point?

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 Commercial Point 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

Lockbourne, OH — population 229
South Bloomfield, OH — population 2,660
Ashville, OH — population 4,760
Obetz, OH — population 6,971
Grove City, OH — population 42,782
Urbancrest, OH — population 996
Darbyville, OH — population 189
Groveport, OH — population 5,806