Personal loans in Graysville, OH

Every figure below is Ohio's own, applied to Graysville's 68 residents, with the publisher and retrieval date attached.

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

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A lender serving Graysville holds a Ohio licence and answers to a Ohio regulator; no city office is involved for its 68 residents. With an estimated 68 residents, Graysville is the 917th-largest of 924 places in Ohio. From the 2020 Census base to the 2023 estimate, the population declined by about 1.4%. If debt is already a strain, a nonprofit credit counsellor can help Graysville residents before they take on more. The closest larger city is Antioch, OH about 6 miles away.

Local context for Graysville

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

Population: 68 residents; Graysville is the 917th-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
Population trend: A loss of roughly 1.4% between 2020 and 2023.
Absolute change: 1 residents lost between 2020 and 2023.
Size percentile: about 1% of Ohio communities are smaller than Graysville (68 residents).
Land and density: 1.0 square miles of land carry roughly 68 residents per square mile.
By land area: Graysville ranks 519th among Ohio's 924 places, at 1.0 sq mi.
State population share: Graysville accounts for about 0.0% of everyone in Ohio.
National rank: Graysville is 18,685th of 19,457 places nationwide.
Growth rank: Graysville's 2020-to-2023 change ranks 596th of 924 places in Ohio.
Against the state trend: Graysville's 1.4% change compares with a Ohio average of +0.9% across its 924 places.
Density rank: Graysville places 921st among Ohio's places by people per square mile.
Density in context: Graysville's 68 people per square mile sit against a Ohio median of 1,289.
Location: mapped by the US Census Bureau at 39.6633, -81.1746.
Nearest larger cities: Antioch (6 mi); Woodsfield (8 mi); Matamoras (New Matamoras) (11 mi); Sistersville (12 mi); Friendly (12 mi). Larger metros often have more branches, but online lenders reach Graysville on the same terms.
Smaller communities within reach: Miltonsburg (12 mi); Deersville (45 mi); Green Hills (56 mi).
Smaller neighbours: 2 places smaller than Graysville sit within 50 miles.
At 100 miles: 636 larger Census places fall inside that radius.

The Ohio lending rules that reach Graysville

Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Graysville 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

Graysville in state context

Set beside Ohio's 924 places, Graysville ranks 917th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 596th of 924 Ohio places, putting it near the 35th percentile for growth. By density, at about 68 people per square mile, it ranks 921st in Ohio. By land area, its 1.0 square miles rank 519th of 924 places in Ohio.

How personal loans work in Graysville

With roughly 68 residents, Graysville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Graysville 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 Graysville loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Graysville

Graysville is sparsely settled, with about 68 people per square mile and 115 larger places within 50 miles. Distance to a branch rarely matters for Graysville's 68 residents: the application is online and the price follows your credit file. The nearest larger city, Antioch, OH about 6 miles away.

The Graysville borrowing checklist

A sensible order of operations for a loan in Graysville, home to about 68 people:

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.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Look the lender up in the Ohio regulator's licence records before you sign.
Look for an origination fee or prepayment penalty in the written disclosure.
Make sure the new payment leaves room in a budget you already keep.
Weigh a shorter term's higher payment against the interest it saves.

What differs between Graysville and the rest of Ohio is not the process but the borrower's own file, among the 68 people here.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Graysville 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 Graysville is the same as anywhere in Ohio.

What loan size can I expect in Graysville?

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 Graysville?

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 Graysville 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

Antioch, OH — population 74
Stafford, OH — population 68
Woodsfield, OH — population 2,170
Miltonsburg, OH — population 38
Matamoras (New Matamoras), OH — population 689
Friendly, WV — population 94
Sistersville, WV — population 1,327
Jerusalem, OH — population 122