Personal loans in Hicksville, OH

Hicksville is a small community of about 3,422 residents, and a personal loan taken out here is governed by Ohio statute. A 2020-to-2023 comparison shows Hicksville down by about 0.3%.

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

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.

By population, Hicksville sits at 310th in Ohio, with an estimated 3,422 residents. Rate-shopping from Hicksville costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A lender that serves Hicksville operates under Ohio lending statutes and a Ohio supervisor. The nearest larger city is Paulding, OH about 14 miles away.

Borrowing in Hicksville: the local picture

Here is the sourced Census picture for Hicksville, plus the Ohio lending rules that apply to a loan taken out here.

Hicksville's place among Ohio's 924 places

Among Ohio's 924 places, Hicksville sits at 310th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Hicksville stands 298th among Ohio's 924 places — roughly the 68th percentile. Its roughly 1,340 residents per square mile place it 437th among Ohio's places. By land area, its 2.6 square miles rank 314th of 924 places in Ohio.

Land, water and location for Hicksville

The Census Gazetteer records about 2.6 square miles of land within Hicksville, with no significant water area listed. The resulting density is about 1,340 people per square mile. For the state's biggest city, Columbus, the distance is roughly 130 miles. A 50-mile radius around Hicksville takes in 28 places that are larger. Within the same 50 miles lie 107 smaller Census places.

The Ohio lending rules that reach Hicksville

The rows below set out what a licensed lender must follow in Ohio, and so for Hicksville's roughly 3,422 residents.

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
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
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

A pre-application checklist for Hicksville

These steps shape the offer you get in Hicksville, a place of about 3,422 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Look the lender up in the Ohio regulator's licence records before you sign.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Hicksville-specific: the same Ohio licensing and disclosure rules reach all 3,422 residents.

Lender access in Hicksville

Hicksville is moderately settled, with about 1,340 people per square mile and 28 larger places within 50 miles. Whether Hicksville has a local branch or not, a Ohio-licensed lender can serve its 3,422 people online on the same terms. The nearest larger city, Paulding, OH about 14 miles away.

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