Personal loans in Crestline, OH
A personal loan in Crestline is priced from your credit file and income, not from the fact that the city holds 4,460 people. Compare APR, not the interest rate, because the APR folds in most fees on a Crestline loan.
With 4,460 residents, Crestline outranks about 71% of the communities in Ohio. State law, not city hall, decides what a lender may do to Crestline's roughly 4,460 residents, and a state regulator supervises it. The 2020 count to the 2023 estimate shows about 1.4% decline in Crestline. The closest larger place is Galion, OH about 4 miles away.
Borrowing in Crestline: the local picture
Here is the sourced Census picture for Crestline, plus the Ohio lending rules that apply to a loan taken out here.
- Population: 4,460 people, a figure that places Crestline 269th among the 924 Census places in Ohio (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 1.4% from 2020 to 2023.
- People gained or lost: about 64 fewer since the 2020 base.
- Size percentile: Crestline's 4,460 people outrank roughly 71% of the places in Ohio.
- Population density: 1,314 people per square mile on 3.4 square miles of land.
- Land area rank: Crestline's 3.4 square miles rank 273rd of 924 places in Ohio.
- Within Ohio: about 0.1% of the state's population lives in Crestline.
- National standing: Crestline ranks 5,168th of 19,457 US places.
- Growth rank: Crestline ranks 586th among Ohio's 924 places for the 2020-to-2023 change.
- Against the state trend: Crestline's 1.4% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: Crestline is the 451st most densely settled place in Ohio.
- Density in context: Crestline's 1,314 people per square mile sit against a Ohio median of 1,289.
- Location: coordinates 40.7834, -82.7477 (US Census Bureau Gazetteer).
- Nearest larger cities: Galion (4 mi); Ontario (7 mi); Shelby (8 mi); Mansfield (11 mi); Lexington (11 mi). Online lenders reach Crestline no matter how far the nearest branch is.
- Nearest smaller towns: North Robinson (6 mi); Tiro (9 mi); New Washington (13 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 109 of them.
- Larger places within 100 miles: 193.
How lenders reach Crestline
Crestline is moderately settled, with about 1,314 people per square mile and 32 larger places within 50 miles. Whether Crestline has a local branch or not, a Ohio-licensed lender can serve its 4,460 people online on the same terms. For a larger market, the closest option is Galion, OH about 4 miles away.
The Ohio lending rules that reach Crestline
When Ohio does not publish a figure, the row links to the source instead of inventing a number; Crestline 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 |
| 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 |
The geography behind Crestline
The Census Gazetteer records about 3.4 square miles of land within Crestline, with no significant water area listed. The resulting density is about 1,314 people per square mile. The largest place in Ohio, Columbus, lies about 57 miles away. Within 50 miles of Crestline there are 32 larger Census places. The 100-mile radius contains 193 larger places.
Where Crestline sits in Ohio
Against Ohio's other places, Crestline accounts for about 0.1% of the state's population and ranks 269th of 924 by size. For population change between 2020 and 2023, Crestline ranks 586th of 924 in Ohio (about the 37th percentile). At about 1,314 people per square mile, Crestline is the 451st most densely settled place in Ohio. In land area, Crestline ranks 273rd among Ohio's 924 places.
What shapes a Crestline personal loan
With roughly 4,460 residents, Crestline is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Crestline's 4,460 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Crestline loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Galion, OH — population 10,293
- North Robinson, OH — population 217
- Tiro, OH — population 217
- Ontario, OH — population 6,653
- Shelby, OH — population 9,263
- Lexington, OH — population 4,846
- New Washington, OH — population 856
- Mansfield, OH — population 47,711