Personal loans in Hilliard, OH
State law, not city hall, decides what a lender may do to Hilliard's roughly 37,262 residents, and a state regulator supervises it. About 37,262 people live in Hilliard, placing it 35th of 924 Census places in Ohio.
Hilliard counts about 37,262 people, and what is genuinely local about borrowing here is limited — Ohio law does the governing. Hilliard added about 0.4% to its population between the 2020 base and the 2023 estimate. Decide the purpose of the loan and your repayment plan before sharing any details with a Hilliard lender. The nearest larger metro is Dublin, OH about 5 miles away.
Hilliard: population, trend and location
The figures below are Hilliard's own — Census population, land area and coordinates — followed by the Ohio rules.
- Population: 37,262 — Hilliard ranks 35th of 924 communities in Ohio (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 0.4% since the 2020 count.
- Absolute change: 149 residents added between 2020 and 2023.
- Size percentile: roughly 96% of Ohio's places have fewer residents than Hilliard's 37,262.
- Population density: about 2,621 people per square mile across 14.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Hilliard's 14.2 square miles rank 58th of 924 places in Ohio.
- Water area rank: Hilliard ranks 83rd among Ohio's 924 places, with 0.18 sq mi.
- Share of state population: Hilliard's 37,262 residents are about 0.5% of Ohio.
- National standing: Hilliard ranks 1,080th of 19,457 US places.
- Growth rank: Hilliard ranks 199th among Ohio's 924 places for the 2020-to-2023 change.
- Against the state trend: Hilliard's 0.4% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: Hilliard places 93rd among Ohio's places by people per square mile.
- Against the state median: Hilliard runs about 2,621 residents per square mile, where the Ohio median is 1,289.
- Location: the Census Gazetteer records it at 40.0347, -83.1578.
- Nearest larger cities: Dublin (5 mi); Columbus (10 mi); Grove City (11 mi); Westerville (14 mi); Delaware (18 mi). Living near a larger metro rarely changes what is available in Hilliard.
- Nearest smaller towns: Upper Arlington (5 mi); Marble Cliff (6 mi); Valleyview (7 mi).
- Within a 50-mile radius: 144 smaller Census places.
- Larger places within 100 miles: 19.
Hilliard on the map
The Census Gazetteer records 14.2 square miles of land and 0.18 square miles of water within Hilliard. With 37,262 residents, the land area yields roughly 2,621 people per square mile. Columbus, the largest place in Ohio, is about 10 miles from Hilliard. Hilliard has 9 larger places within a 50-mile radius. The 100-mile radius contains 19 larger places.
Ohio rules behind a Hilliard personal loan
The rows below set out what a licensed lender must follow in Ohio, and so for Hilliard's roughly 37,262 residents.
| 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 |
Steps to take before a Hilliard loan
These steps shape the offer you get in Hilliard, a place of about 37,262 people:
- 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.
- 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.
- Check that the monthly payment fits your budget next to your existing obligations.
- Pick the shortest term whose payment you can comfortably afford.
What differs between Hilliard and the rest of Ohio is not the process but the borrower's own file, among the 37,262 people here.
Hilliard in state context
Hilliard is the 35th-largest of 924 Census places in Ohio and contains about 0.5% of the state's people. On the 2020-to-2023 trend, Hilliard stands 199th among Ohio's 924 places — roughly the 78th percentile. By density, at about 2,621 people per square mile, it ranks 93rd in Ohio. By land area, its 14.2 square miles rank 58th of 924 places in Ohio.
Getting a loan in Hilliard
Hilliard is fairly dense, with about 2,621 people per square mile and 9 larger places within 50 miles. Whether Hilliard has a local branch or not, a Ohio-licensed lender can serve its 37,262 people online on the same terms. For a larger market, the closest option is Dublin, OH about 5 miles away.
Common questions
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What loan size can I expect in Hilliard?
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Nearby places
- Dublin, OH — population 48,923
- Upper Arlington, OH — population 35,743
- Marble Cliff, OH — population 699
- Valleyview, OH — population 647
- Shawnee Hills, OH — population 915
- Grandview Heights, OH — population 8,841
- Plain City, OH — population 4,338
- Riverlea, OH — population 575