Personal loans in Congress, OH
The trend for Congress between 2020 and 2023 is downward by roughly 1.5%. Two households in Congress with comparable incomes can still be offered different rates; the city's 132 residents are not the reason.
With 132 residents, Congress outranks about 5% of the communities in Ohio. The nearest larger city is West Salem, OH about 4 miles away. Every figure below is Ohio's own, applied to Congress's 132 residents, with the publisher and retrieval date attached. Pull your credit reports and line up at least three offers before you apply from Congress.
Borrowing in Congress: the local picture
Congress is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 132 people, a figure that places Congress 874th among the 924 Census places in Ohio (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 1.5% since the 2020 count.
- Net change: roughly 2 fewer people than the 2020 Census counted.
- Size percentile: Congress's 132 people outrank roughly 5% of the places in Ohio.
- Population density: about 825 people per square mile (Census land area 0.2 sq mi).
- Land area rank: Congress's 0.2 square miles rank 874th of 924 places in Ohio.
- Within Ohio: about 0.0% of the state's population lives in Congress.
- National standing: Congress ranks 17,564th of 19,457 US places.
- Growth in Ohio: Congress stands 607th by percentage change from 2020 to 2023, among 924 places.
- Versus Ohio: the state average change is +0.9%, while Congress moved 1.5%.
- Density in Ohio: Congress ranks 684th by people per square mile.
- Against the state median: Congress runs about 825 residents per square mile, where the Ohio median is 1,289.
- Location: coordinates 40.9253, -82.0559 (US Census Bureau Gazetteer).
- Nearest larger cities: West Salem (4 mi); Burbank (5 mi); Lodi (8 mi); Polk (8 mi); Creston (9 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Gann (Brinkhaven) (32 mi); Linndale (39 mi); Nellie (41 mi).
- Smaller places within 50 miles: 4 of them.
- At 100 miles: 615 larger Census places fall inside that radius.
Lender access in Congress
Congress is moderately settled, with about 825 people per square mile and 199 larger places within 50 miles. Whether Congress has a local branch or not, a Ohio-licensed lender can serve its 132 people online on the same terms. The nearest bigger place is West Salem, OH about 4 miles away.
The geography behind Congress
Congress covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 132 residents, the land area yields roughly 825 people per square mile. The state's population centre of gravity, Columbus, is roughly 81 miles away. A 50-mile radius around Congress takes in 199 places that are larger. Within the same 50 miles lie 4 smaller Census places.
Congress's place among Ohio's 924 places
Set beside Ohio's 924 places, Congress ranks 874th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 607th of 924 Ohio places, putting it near the 34th percentile for growth. Its roughly 825 residents per square mile place it 684th among Ohio's places. Within 50 miles sit 4 smaller Census places, alongside the 199 that are larger.
What a Congress borrower is actually offered
A Congress personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 132 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Congress. The term you choose in Congress decides the split between a comfortable payment and the total interest you pay.
The Ohio lending rules that reach Congress
For the roughly 132 residents of Congress, 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 |
| 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 |
Common questions
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Nearby places
- West Salem, OH — population 1,434
- Burbank, OH — population 293
- Lodi, OH — population 2,779
- Polk, OH — population 307
- Westfield Center, OH — population 1,202
- Wooster, OH — population 27,030
- Creston, OH — population 2,138
- Spencer, OH — population 691