Personal loans in Fletcher, OH
A single loan can carry different costs on either side of a state line, and Fletcher sits on the Ohio side of that line. Fletcher is one of 924 Census places in Ohio; its 458 residents put it at 679th.
In Fletcher, one of 924 Census places in Ohio, the figure to compare across lenders is the APR, not the advertised rate. The trend for Fletcher between 2020 and 2023 is upward by roughly 1.3%. Judge Fletcher offers on total cost, not on how quickly the money arrives. The nearest larger city is Piqua, OH about 7 miles away.
Local context for Fletcher
Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.
- Population: about 458, ranked 679th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
- Population trend: Up about 1.3% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 6 more since the 2020 base.
- Size percentile: about 27% of Ohio's Census places are smaller than Fletcher.
- Density: roughly 1,473 residents per square mile, spread over 0.3 sq mi of land.
- By land area: Fletcher ranks 772nd among Ohio's 924 places, at 0.3 sq mi.
- Within Ohio: about 0.0% of the state's population lives in Fletcher.
- Nationally: Fletcher is the 13,532nd-largest of 19,457 Census places in the dataset.
- Growth rank: Fletcher ranks 120th among Ohio's 924 places for the 2020-to-2023 change.
- Against the state trend: Fletcher's 1.3% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: Fletcher is the 369th most densely settled place in Ohio.
- Density in context: Fletcher's 1,473 people per square mile sit against a Ohio median of 1,289.
- Location: mapped by the US Census Bureau at 40.1418, -84.1119.
- Nearest larger cities: Piqua (7 mi); Christiansburg (7 mi); St. Paris (8 mi); Troy (9 mi); Sidney (11 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Casstown (6 mi); Lockington (8 mi); Port Jefferson (13 mi).
- Within a 50-mile radius: 57 smaller Census places.
- At 100 miles: 487 larger Census places fall inside that radius.
Land, water and location for Fletcher
Fletcher covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,473 people per square mile. Columbus, the largest place in Ohio, is about 61 miles from Fletcher. Counting outward 50 miles, 118 larger communities surround Fletcher. The 100-mile radius contains 487 larger places.
What Ohio law requires in Fletcher
Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Fletcher lender must follow.
| 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 |
| 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 |
| 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 |
Lender access in Fletcher
Fletcher is a moderately settled community of about 458 people, with 118 larger places inside a 50-mile radius. Distance to a branch rarely matters for Fletcher's 458 residents: the application is online and the price follows your credit file. The nearest bigger place is Piqua, OH about 7 miles away.
What a Fletcher borrower is actually offered
A Fletcher personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 458 residents. Two numbers drive a Fletcher loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Fletcher decides the split between a comfortable payment and the total interest you pay.
Fletcher in state context
Among Ohio's 924 places, Fletcher sits at 679th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Fletcher stands 120th among Ohio's 924 places — roughly the 87th percentile. Its roughly 1,473 residents per square mile place it 369th among Ohio's places. By land area, its 0.3 square miles rank 772nd of 924 places in Ohio.
Common questions
What are my options in Fletcher if my credit is poor?
What loan size can I expect in Fletcher?
Do I have to pledge anything to borrow in Fletcher?
Does comparing loans in Fletcher cost me credit score points?
Nearby places
- Casstown, OH — population 271
- Christiansburg, OH — population 501
- Piqua, OH — population 20,747
- Lockington, OH — population 157
- St. Paris, OH — population 1,885
- Troy, OH — population 26,848
- Sidney, OH — population 20,309
- Port Jefferson, OH — population 306