Personal loans in Fredericktown, OH
For the 2,619 people in Fredericktown, Ohio runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. By population, Fredericktown sits at 354th in Ohio, with an estimated 2,619 residents.
Fredericktown, Ohio — home to about 2,619 people — is a small community, so the terms you are offered follow Ohio law rather than any local rule. A 2020-to-2023 comparison shows Fredericktown down by about 1.1%. Begin with the payment, then weigh APR and total interest across the lenders that reach Fredericktown's 2,619 residents. The nearest larger metro is Mount Vernon, OH about 8 miles away.
Local context for Fredericktown
Two layers matter for a Fredericktown borrower: the local population picture and Ohio's consumer-lending statutes.
- Population: 2,619 — Fredericktown ranks 354th of 924 communities in Ohio (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 1.1% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 28 residents.
- Size percentile: about 62% of Ohio's Census places are smaller than Fredericktown.
- Density: roughly 1,320 residents per square mile, spread over 2.0 sq mi of land.
- Land area rank: Fredericktown's 2.0 square miles rank 370th of 924 places in Ohio.
- Water: Fredericktown holds about 0.09 square miles, the 149th-largest water area in Ohio.
- Share of state population: Fredericktown's 2,619 residents are about 0.0% of Ohio.
- National rank: Fredericktown is the 6,695th most populous of the 19,457 Census places covered here.
- Growth in Ohio: Fredericktown stands 483rd by percentage change from 2020 to 2023, among 924 places.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Fredericktown's 1.1%.
- Density in Ohio: Fredericktown ranks 446th by people per square mile.
- Density vs Ohio: Fredericktown's 1,320 people per square mile compare with a state median of 1,289.
- Location: 40.4785 / -82.5495, per the US Census Bureau Gazetteer.
- Nearest larger cities: Mount Vernon (8 mi); Lexington (14 mi); Mount Gilead (16 mi); Loudonville (20 mi); Mansfield (20 mi). Lenders licensed in the state serve Fredericktown whether or not they keep a local branch.
- Nearest smaller places: Chesterville (7 mi); Sparta (10 mi); Bellville (10 mi).
- Within a 50-mile radius: 104 smaller Census places.
- Within 100 miles: 239 places are larger than Fredericktown.
Ohio consumer-lending rules applied in Fredericktown
Ohio has no separate rate rule for Fredericktown; the sourced rows below are what reach every lender that serves its 2,619 people.
| 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 |
| 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 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 |
Getting a loan in Fredericktown
Fredericktown is a moderately settled community of about 2,619 people, with 49 larger places inside a 50-mile radius. Distance to a branch rarely matters for Fredericktown's 2,619 residents: the application is online and the price follows your credit file. The nearest bigger place is Mount Vernon, OH about 8 miles away.
Fredericktown's place among Ohio's 924 places
Fredericktown is the 354th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Fredericktown stands 483rd among Ohio's 924 places — roughly the 48th percentile. By density, at about 1,320 people per square mile, it ranks 446th in Ohio. Within 50 miles sit 104 smaller Census places, alongside the 49 that are larger.
Inside a Fredericktown personal loan
Fredericktown is a small community of about 2,619 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Fredericktown. Because the payment is fixed, the total cost of a Fredericktown loan is knowable in advance — unlike a revolving card balance.
Where Fredericktown sits
The Census Gazetteer records 2.0 square miles of land and 0.09 square miles of water within Fredericktown. With 2,619 residents, the land area yields roughly 1,320 people per square mile. Columbus, the largest place in Ohio, is about 41 miles from Fredericktown. Within 50 miles of Fredericktown there are 49 larger Census places. Within the same 50 miles lie 104 smaller Census places.
Common questions
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Nearby places
- Mount Vernon, OH — population 16,551
- Chesterville, OH — population 195
- Bellville, OH — population 1,986
- Butler, OH — population 938
- Sparta, OH — population 123
- Gambier, OH — population 2,330
- Lexington, OH — population 4,846
- Centerburg, OH — population 1,671