Personal loans in Fort Recovery, OH

About 1,476 people live in Fort Recovery, placing it 454th of 924 Census places in Ohio. The 2020 count to the 2023 estimate shows about 1.7% decline in Fort Recovery.

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

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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.

A personal loan in Fort Recovery is priced from your credit file and income, not from the fact that the city holds 1,476 people. Every figure below is Ohio's own, applied to Fort Recovery's 1,476 residents, with the publisher and retrieval date attached. Use the calculator on this page to price an amount and term before you commit in Fort Recovery. For a bigger market, look to St. Henry, OH about 8 miles away.

Where Fort Recovery stands

Most of what governs a Fort Recovery loan is written in Ohio law rather than in the city; the sourced notes below make that split concrete.

Borrowing reach in Fort Recovery

Fort Recovery is moderately settled, with about 1,196 people per square mile and 66 larger places within 50 miles. What is available to Fort Recovery's 1,476 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest bigger place is St. Henry, OH about 8 miles away.

Fort Recovery in state context

Fort Recovery is the 454th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Fort Recovery stands 654th among Ohio's 924 places — roughly the 29th percentile. At about 1,196 people per square mile, Fort Recovery is the 511th most densely settled place in Ohio. By land area, its 1.2 square miles rank 465th of 924 places in Ohio.

Fort Recovery on the map

The Census Gazetteer records 1.2 square miles of land and 0.02 square miles of water within Fort Recovery. That land carries about 1,196 people per square mile. The largest place in Ohio, Columbus, lies about 99 miles away. Within 50 miles of Fort Recovery there are 66 larger Census places. By land area it ranks 465th of 924 Ohio places.

What shapes a Fort Recovery personal loan

A Fort Recovery personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,476 residents. Two numbers drive a Fort Recovery loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Fort Recovery loan but raises total interest, so the smallest payment is not the cheapest loan.

What Ohio law requires in Fort Recovery

For the roughly 1,476 residents of Fort Recovery, the rules below are Ohio's own; each row carries its publisher and retrieval date.

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
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
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
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 Fort Recovery 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 Fort Recovery is the same as anywhere in Ohio.
What loan size can I expect in Fort Recovery?
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 Fort Recovery?
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 Fort Recovery 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

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