Personal loans in Elmore, OH

Elmore is a small community of about 1,374 residents, and a personal loan taken out here is governed by Ohio statute. Elmore is home to roughly 1,374 people and stands 469th by size out of 924 Census places in Ohio.

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.

Compare APR, not the interest rate, because the APR folds in most fees on a Elmore loan. Elmore shed about 1.9% of its population between the 2020 base and the 2023 estimate. When Ohio caps or restricts a product, lenders either change the terms or withdraw it from Elmore as from the rest of the state. The next larger city is Woodville, OH about 4 miles away.

Elmore: the sourced local profile

Here is the sourced Census picture for Elmore, plus the Ohio lending rules that apply to a loan taken out here.

Elmore's place among Ohio's 924 places

Elmore is the 469th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 699th of 924 Ohio places, putting it near the 24th percentile for growth. At about 1,574 people per square mile, Elmore is the 325th most densely settled place in Ohio. Between 2020 and 2023 the count changed by roughly 26 residents.

Lender access in Elmore

With about 1,574 residents per square mile, Elmore is moderately settled, and 56 larger Census places sit within 50 miles. Distance to a branch rarely matters for Elmore's 1,374 residents: the application is online and the price follows your credit file. The nearest bigger place is Woodville, OH about 4 miles away.

Ohio consumer-lending rules applied in Elmore

Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Elmore lender must follow.

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

The geography behind Elmore

Inside Elmore's boundaries lie about 0.9 square miles of land, with no significant water area recorded. Spread across it are roughly 1,574 residents per square mile. Columbus, the largest place in Ohio, is about 104 miles from Elmore. Within 50 miles of Elmore there are 56 larger Census places. By land area it ranks 560th of 924 Ohio places.

How personal loans work in Elmore

With roughly 1,374 residents, Elmore is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Elmore's rank of 469th in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Elmore loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Compare personal 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.

Common questions

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