Personal loans in Deersville, OH

At about 65 residents, Deersville is larger than roughly 1% of the places in Ohio. The 2020 count to the 2023 estimate shows about 1.5% decline in Deersville.

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.

Deersville counts about 65 people, and what is genuinely local about borrowing here is limited — Ohio law does the governing. Every figure below is Ohio's own, applied to Deersville's 65 residents, with the publisher and retrieval date attached. Judge Deersville offers on total cost, not on how quickly the money arrives. The closest larger place is Freeport, OH about 8 miles away.

Where Deersville stands

Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.

Land, water and location for Deersville

Deersville's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. With 65 residents, the land area yields roughly 188 people per square mile. The largest place in Ohio, Columbus, lies about 98 miles away. Counting outward 50 miles, 177 larger communities surround Deersville. Within the same 50 miles lie 2 smaller Census places.

Deersville's place among Ohio's 924 places

Set beside Ohio's 924 places, Deersville ranks 919th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 620th of 924 Ohio places, putting it near the 33th percentile for growth. Its roughly 188 residents per square mile place it 903rd among Ohio's places. In land area, Deersville ranks 754th among Ohio's 924 places.

The anatomy of a Deersville personal loan

Deersville is a small community of about 65 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Deersville's rank of 919th in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Deersville loan but raises total interest, so the smallest payment is not the cheapest loan.

Ohio consumer-lending rules applied in Deersville

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

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
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 statusLegal 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 Deersville

At roughly 188 people per square mile, Deersville is lightly settled; 177 larger places lie within 50 miles. What is available to Deersville's 65 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 Freeport, OH about 8 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 Deersville 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 Deersville is the same as anywhere in Ohio.
What loan size can I expect in Deersville?
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 Deersville?
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 Deersville 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

Related