Personal loans in Conesville, OH
With roughly 326 residents, Conesville is a small community, and the lending rules its borrowers live under are written in Ohio, not by the city. Census data show virtually no population shift in Conesville between 2020 and 2023.
By population, Conesville sits at 737th in Ohio, with an estimated 326 residents. Decide the purpose of the loan and your repayment plan before sharing any details with a Conesville lender. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Conesville's 326 residents. The next larger city is Coshocton, OH about 6 miles away.
Conesville: population, trend and location
Two layers matter for a Conesville borrower: the local population picture and Ohio's consumer-lending statutes.
- Population: about 326, ranked 737th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
- Population trend: Steady across the 2020-to-2023 comparison.
- Size percentile: roughly 20% of Ohio's places have fewer residents than Conesville's 326.
- Population density: about 2,345 people per square mile across 0.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Conesville covers 0.1 square miles, the 885th-largest area among Ohio's 924 places.
- State population share: Conesville accounts for about 0.0% of everyone in Ohio.
- National rank: Conesville is the 14,820th most populous of the 19,457 Census places covered here.
- Growth rank: Conesville ranks 246th among Ohio's 924 places for the 2020-to-2023 change.
- Against the state trend: Conesville's 0.0% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: Conesville is the 139th most densely settled place in Ohio.
- Against the state median: Conesville runs about 2,345 residents per square mile, where the Ohio median is 1,289.
- Location: it lies at 40.1851, -81.8920 in the Census Gazetteer.
- Nearest larger cities: Coshocton (6 mi); Dresden (8 mi); West Lafayette (10 mi); Warsaw (12 mi); Frazeysburg (13 mi). Living near a larger metro rarely changes what is available in Conesville.
- Smaller places close by: Adamsville (8 mi); Plainfield (9 mi); Nellie (14 mi).
- Within a 50-mile radius: 47 smaller Census places.
- Within 100 miles: 542 places are larger than Conesville.
What to do before borrowing in Conesville
These steps shape the offer you get in Conesville, a place of about 326 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Make sure the lender appears in the Ohio regulator's licence list.
- Test the payment against your current bills before you commit.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
The process is identical across Ohio; what changes is your credit file, not the fact that Conesville holds 326 people.
What shapes a Conesville personal loan
Conesville is a small community of about 326 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Conesville. Shortening the term on a Conesville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where Conesville sits in Ohio
Against Ohio's other places, Conesville accounts for about 0.0% of the state's population and ranks 737th of 924 by size. For population change between 2020 and 2023, Conesville ranks 246th of 924 in Ohio (about the 73th percentile). By density, at about 2,345 people per square mile, it ranks 139th in Ohio. Between 2020 and 2023 the count changed by roughly 0 residents.
What Ohio law requires in Conesville
For the roughly 326 residents of Conesville, the rules below are Ohio's own; each row carries its publisher and retrieval 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 |
| 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 |
| 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 |
Lender access in Conesville
With about 2,345 residents per square mile, Conesville is fairly dense, and 105 larger Census places sit within 50 miles. What is available to Conesville's 326 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Coshocton, OH about 6 miles away.
Common questions
What are my options in Conesville if my credit is poor?
What loan size can I expect in Conesville?
Do I have to pledge anything to borrow in Conesville?
Does comparing loans in Conesville cost me credit score points?
Nearby places
- Coshocton, OH — population 11,091
- Adamsville, OH — population 137
- Dresden, OH — population 1,647
- West Lafayette, OH — population 2,448
- Plainfield, OH — population 142
- Warsaw, OH — population 648
- Norwich, OH — population 90
- Frazeysburg, OH — population 1,352