Personal loans in De Graff, OH

For a borrower among the roughly 1,251 residents of De Graff, a personal loan is a tool whose cost turns on the terms, not the address. The Census counts 1,251 people in De Graff, the 484th-largest figure among Ohio's 924 places.

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

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.

The 2020 count to the 2023 estimate shows about 0.1% decline in De Graff. To lend to De Graff's 1,251 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. Rate-shopping from De Graff costs nothing at pre-qualification, where a soft pull leaves your credit file alone. For a bigger market, look to Bellefontaine, OH about 9 miles away.

The De Graff data picture

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

Land, water and location for De Graff

The Census Gazetteer records about 1.0 square miles of land within De Graff, with no significant water area listed. The resulting density is about 1,247 people per square mile. The largest place in Ohio, Columbus, lies about 54 miles away. De Graff has 84 larger places within a 50-mile radius. The 100-mile radius contains 348 larger places.

The anatomy of a De Graff personal loan

De Graff is a small community of about 1,251 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in De Graff can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a De Graff loan is knowable in advance — unlike a revolving card balance.

De Graff against the rest of Ohio

Among Ohio's 924 places, De Graff sits at 484th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, De Graff stands 275th among Ohio's 924 places — roughly the 70th percentile. At about 1,247 people per square mile, De Graff is the 485th most densely settled place in Ohio. The population moved by about 1 people between 2020 and 2023, a 0.1% shift.

Ohio rules behind a De Graff personal loan

Ohio has no separate rate rule for De Graff; the sourced rows below are what reach every lender that serves its 1,251 people.

RuleDetailSource
State lending regulatorOhio 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 licensingConsumer 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

Borrowing reach in De Graff

With about 1,247 residents per square mile, De Graff is moderately settled, and 84 larger Census places sit within 50 miles. Distance to a branch rarely matters for De Graff's 1,251 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Bellefontaine, OH about 9 miles away.

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.

Common questions

What are my options in De Graff 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 De Graff is the same as anywhere in Ohio.
What loan size can I expect in De Graff?
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 De Graff?
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 De Graff 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.

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