Personal loans in Hanging Rock, OH

The roughly 195 people who live in Hanging Rock borrow under Ohio rules; city hall sets no personal-loan rate. With an estimated 195 residents, Hanging Rock is the 830th-largest of 924 places in Ohio.

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

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Verify the lender's Ohio licence against the regulator named below before borrowing in Hanging Rock. Population in Hanging Rock dropped about 3.9% over the three years from 2020 to 2023. Lenders active in Hanging Rock report to a Ohio supervisor, identified in the sourced rows below. The nearest larger city is Worthington, KY about 1 miles away.

Local context for Hanging Rock

Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.

Population: a Census-estimated 195, 830th among Ohio's 924 places (Vintage 2023).
Population trend: A decline of about 3.9% across the 2020-to-2023 comparison.
People gained or lost: about 8 fewer since the 2020 base.
Size percentile: about 10% of Ohio's Census places are smaller than Hanging Rock.
Land and density: 0.6 square miles of land carry roughly 351 residents per square mile.
By land area: Hanging Rock ranks 663rd among Ohio's 924 places, at 0.6 sq mi.
Water area: Hanging Rock has 0.08 square miles of water, ranking 161st of 924 places in Ohio.
State share: roughly 0.0% of Ohio's residents live in Hanging Rock (195 people).
National rank: Hanging Rock is the 16,566th most populous of the 19,457 Census places covered here.
Growth rank: Hanging Rock's 2020-to-2023 change ranks 916th of 924 places in Ohio.
Versus Ohio: the state average change is +0.9%, while Hanging Rock moved 3.9%.
Density rank: Hanging Rock is the 857th most densely settled place in Ohio.
Against the state median: Hanging Rock runs about 351 residents per square mile, where the Ohio median is 1,289.
Location: 38.5600, -82.7276 (US Census Bureau Gazetteer).
Nearest larger cities: Worthington (1 mi); Raceland (2 mi); Flatwoods (3 mi); Wurtland (3 mi); Ironton (3 mi). A branch is convenient; it is not what sets your APR.
Smaller communities within reach: Centerville (Thurman) (28 mi); Otway (33 mi); Rome (36 mi).
Smaller neighbours: 9 places smaller than Hanging Rock sit within 50 miles.
At 100 miles: 317 larger Census places fall inside that radius.

Which Ohio laws govern a loan in Hanging Rock

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

What is available to Hanging Rock borrowers

Hanging Rock is lightly settled, with about 351 people per square mile and 64 larger places within 50 miles. What is available to Hanging Rock's 195 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Worthington, KY about 1 miles away.

Land, water and location for Hanging Rock

Hanging Rock covers about 0.6 square miles of land, with 0.08 square miles of water inside its boundaries (Census Gazetteer). That land carries about 351 people per square mile. The largest place in Ohio, Columbus, lies about 99 miles away. A 50-mile radius around Hanging Rock takes in 64 places that are larger. Within the same 50 miles lie 9 smaller Census places.

Before you apply in Hanging Rock

For Hanging Rock's roughly 195 residents, these are the steps that most influence the offer:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Make sure the lender appears in the Ohio regulator's licence list.
Test the payment against your current bills before you commit.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Borrow only what the purpose requires, not the maximum you are offered.

What differs between Hanging Rock and the rest of Ohio is not the process but the borrower's own file, among the 195 people here.

Hanging Rock against the rest of Ohio

Among Ohio's 924 places, Hanging Rock sits at 830th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Hanging Rock ranks 916th of 924 in Ohio (about the 1th percentile). Its roughly 351 residents per square mile place it 857th among Ohio's places. Within 50 miles sit 9 smaller Census places, alongside the 64 that are larger.

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Common questions

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

What loan size can I expect in Hanging Rock?

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 Hanging Rock?

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 Hanging Rock 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

Worthington, KY — population 1,456
Raceland, KY — population 2,301
Flatwoods, KY — population 7,227
Wurtland, KY — population 969
Russell, KY — population 3,644
Ironton, OH — population 10,187
Bellefonte, KY — population 886
Greenup, KY — population 1,056