Personal loans in Enon, OH
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Enon's 2,437 residents.
A personal loan in Enon is priced from your credit file and income, not from the fact that the city holds 2,437 people. Enon ranks 365th of 924 places in Ohio, with a population near 2,437. Population in Enon dropped about 1.1% over the three years from 2020 to 2023. Price two or three terms so you can see which payment is truly affordable in Enon. Borrowers who want a bigger city can look to Yellow Springs, OH about 5 miles away.
Borrowing in Enon: the local picture
Here is the sourced Census picture for Enon, plus the Ohio lending rules that apply to a loan taken out here.
- Population: an estimated 2,437 residents, 365th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 1.1% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 27 residents.
- Size percentile: about 60% of Ohio communities are smaller than Enon (2,437 residents).
- Land and density: 1.3 square miles of land carry roughly 1,883 residents per square mile.
- Land area: Enon covers 1.3 square miles, the 453rd-largest area among Ohio's 924 places.
- Within Ohio: about 0.0% of the state's population lives in Enon.
- National rank: Enon sits 6,930th by population among the 19,457 places in this dataset.
- Growth rank: Enon's 2020-to-2023 change ranks 492nd of 924 places in Ohio.
- Versus Ohio: the state average change is +0.9%, while Enon moved 1.1%.
- Density rank: Enon is the 235th most densely settled place in Ohio.
- Density vs Ohio: Enon's 1,883 people per square mile compare with a state median of 1,289.
- Location: coordinates 39.8650, -83.9330 (US Census Bureau Gazetteer).
- Nearest larger cities: Yellow Springs (5 mi); Fairborn (6 mi); New Carlisle (7 mi); Springfield (9 mi); Huber Heights (10 mi). Lenders licensed in the state serve Enon whether or not they keep a local branch.
- Nearest smaller places: Donnelsville (4 mi); Clifton (7 mi); North Hampton (9 mi).
- Within a 50-mile radius: 114 smaller Census places.
- Within 100 miles: 228 places are larger than Enon.
Enon on the map
Inside Enon's boundaries lie about 1.3 square miles of land, with no significant water area recorded. The resulting density is about 1,883 people per square mile. The state's population centre of gravity, Columbus, is roughly 51 miles away. Within 50 miles of Enon there are 74 larger Census places. Within the same 50 miles lie 114 smaller Census places.
How Ohio law applies in Enon
When Ohio does not publish a figure, the row links to the source instead of inventing a number; Enon 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 |
| Small-loan / installment lender licensing | Consumer 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 |
A practical checklist for Enon borrowers
Before you apply in Enon, a community of about 2,437, work through these steps:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the Ohio licence with the regulator named above before committing.
- Decide the purpose and how you will repay it before approaching any lender.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
The process is identical across Ohio; what changes is your credit file, not the fact that Enon holds 2,437 people.
Borrowing reach in Enon
With about 1,883 residents per square mile, Enon is moderately settled, and 74 larger Census places sit within 50 miles. Whether Enon has a local branch or not, a Ohio-licensed lender can serve its 2,437 people online on the same terms. The nearest bigger place is Yellow Springs, OH about 5 miles away.
Enon against the rest of Ohio
Enon is the 365th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. For population change between 2020 and 2023, Enon ranks 492nd of 924 in Ohio (about the 47th percentile). Its roughly 1,883 residents per square mile place it 235th among Ohio's places. Between 2020 and 2023 the count changed by roughly 27 residents.
Common questions
What are my options in Enon if my credit is poor?
What loan size can I expect in Enon?
Do I have to pledge anything to borrow in Enon?
Does comparing loans in Enon cost me credit score points?
Nearby places
- Donnelsville, OH — population 255
- Yellow Springs, OH — population 3,718
- Fairborn, OH — population 34,729
- New Carlisle, OH — population 5,494
- North Hampton, OH — population 455
- Clifton, OH — population 136
- Springfield, OH — population 58,082
- Cedarville, OH — population 4,250