Personal loans in Dalton, OH

When Ohio caps or restricts a product, lenders either change the terms or withdraw it from Dalton as from the rest of the state. By population, Dalton sits at 402nd in Ohio, with an estimated 1,924 residents.

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

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

For a borrower among the roughly 1,924 residents of Dalton, a personal loan is a tool whose cost turns on the terms, not the address. Population in Dalton dropped about 0.3% over the three years from 2020 to 2023. For a community of about 1,924, the practical step is to compare APR across at least three lenders before committing. The closest larger city is Orrville, OH about 5 miles away.

Dalton: population, trend and location

Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.

Population: 1,924 residents; Dalton is the 402nd-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
Population trend: A drop of about 0.3% from 2020 to 2023.
Absolute change: 5 residents lost between 2020 and 2023.
Size percentile: about 56% of Ohio communities are smaller than Dalton (1,924 residents).
Population density: 1,151 people per square mile on 1.7 square miles of land.
Land area: Dalton covers 1.7 square miles, the 407th-largest area among Ohio's 924 places.
Share of state population: Dalton's 1,924 residents are about 0.0% of Ohio.
National standing: Dalton ranks 7,784th of 19,457 US places.
Growth rank: Dalton's 2020-to-2023 change ranks 297th of 924 places in Ohio.
Against the state trend: Dalton's 0.3% change compares with a Ohio average of +0.9% across its 924 places.
Density rank: Dalton is the 533rd most densely settled place in Ohio.
Density in context: Dalton's 1,151 people per square mile sit against a Ohio median of 1,289.
Location: 40.7996, -81.7037 (US Census Bureau Gazetteer).
Nearest larger cities: Orrville (5 mi); Brewster (8 mi); Canal Fulton (9 mi); Massillon (9 mi); Doylestown (12 mi). Larger metros often have more branches, but online lenders reach Dalton on the same terms.
Smaller communities close by: Marshallville (7 mi); Mount Eaton (7 mi); Apple Creek (8 mi), each with its own Census population profile.
Smaller places within 50 miles: 96 of them.
At 100 miles: 317 larger Census places fall inside that radius.

How Dalton compares across Ohio

Dalton is the 402nd-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 297th of 924 Ohio places, putting it near the 68th percentile for growth. At about 1,151 people per square mile, Dalton is the 533rd most densely settled place in Ohio. Between 2020 and 2023 the count changed by roughly 5 residents.

Before you apply in Dalton

For Dalton's roughly 1,924 residents, these are the steps that most influence the offer:

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.
Line up several pre-qualified offers and let the APR decide.
Check the Ohio regulator's records to confirm the lender is licensed here.
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.
Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Dalton-specific: the same Ohio licensing and disclosure rules reach all 1,924 residents.

The anatomy of a Dalton personal loan

In Dalton, a small community of about 1,924, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Dalton's 1,924 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Dalton loan is knowable in advance — unlike a revolving card balance.

Which Ohio laws govern a loan in Dalton

Below are the Ohio rules that apply to a loan made in Dalton, each with the regulator that issued it.

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

Getting a loan in Dalton

Dalton is a moderately settled community of about 1,924 people, with 113 larger places inside a 50-mile radius. What is available to Dalton's 1,924 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest larger city, Orrville, OH about 5 miles away.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Dalton?

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 Dalton?

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 Dalton 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

Orrville, OH — population 8,422
Marshallville, OH — population 790
Mount Eaton, OH — population 169
Brewster, OH — population 2,103
Apple Creek, OH — population 1,183
Clinton, OH — population 1,189
Canal Fulton, OH — population 5,333
Wilmot, OH — population 280