Personal loans in Jerusalem, OH
Jerusalem is a small community of about 122 residents, and a personal loan taken out here is governed by Ohio statute. The 2020 count to the 2023 estimate shows about 1.6% decline in Jerusalem.
Jerusalem ranks 884th of 924 places in Ohio, with a population near 122. Begin with the payment, then weigh APR and total interest across the lenders that reach Jerusalem's 122 residents. For the 122 people in Jerusalem, Ohio runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. A larger market lies at Wilson, OH about 2 miles away.
The Jerusalem data picture
Most of what governs a Jerusalem loan is written in Ohio law rather than in the city; the sourced notes below make that split concrete.
- Population: about 122, ranked 884th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 1.6% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 2 residents.
- Size percentile: about 4% of Ohio communities are smaller than Jerusalem (122 residents).
- Population density: about 504 people per square mile (Census land area 0.2 sq mi).
- Land area rank: Jerusalem's 0.2 square miles rank 821st of 924 places in Ohio.
- State population share: Jerusalem accounts for about 0.0% of everyone in Ohio.
- National rank: Jerusalem is 17,748th of 19,457 places nationwide.
- Growth rank: Jerusalem ranks 643rd among Ohio's 924 places for the 2020-to-2023 change.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Jerusalem's 1.6%.
- Density rank: Jerusalem places 806th among Ohio's places by people per square mile.
- Against the state median: Jerusalem runs about 504 residents per square mile, where the Ohio median is 1,289.
- Location: 39.8519, -81.0959 (US Census Bureau Gazetteer).
- Nearest larger cities: Wilson (2 mi); Beallsville (3 mi); Woodsfield (6 mi); Barnesville (10 mi); Bethesda (11 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller places: Miltonsburg (4 mi); Batesville (11 mi); Antioch (13 mi).
- Within a 50-mile radius: 16 smaller Census places.
- At 100 miles: 658 larger Census places fall inside that radius.
Where Jerusalem sits in Ohio
Jerusalem is the 884th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 643rd of 924 Ohio places, putting it near the 30th percentile for growth. Its roughly 504 residents per square mile place it 806th among Ohio's places. The population moved by about 2 people between 2020 and 2023, a 1.6% shift.
Land, water and location for Jerusalem
Jerusalem's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. That land carries about 504 people per square mile. The state's population centre of gravity, Columbus, is roughly 101 miles away. Within 50 miles of Jerusalem there are 124 larger Census places. The 100-mile radius contains 658 larger places.
The anatomy of a Jerusalem personal loan
A Jerusalem personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 122 residents. Because pricing is borrower-level, two people in Jerusalem can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Jerusalem loan is knowable in advance — unlike a revolving card balance.
What is available to Jerusalem borrowers
At roughly 504 people per square mile, Jerusalem is moderately settled; 124 larger places lie within 50 miles. What is available to Jerusalem's 122 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 Wilson, OH about 2 miles away.
How Ohio law applies in Jerusalem
This table holds the Ohio rate and licensing rules for consumer loans made to Jerusalem's 122 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 |
| 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 |
Common questions
What are my options in Jerusalem if my credit is poor?
What loan size can I expect in Jerusalem?
Do I have to pledge anything to borrow in Jerusalem?
Does comparing loans in Jerusalem cost me credit score points?
Nearby places
- Wilson, OH — population 132
- Beallsville, OH — population 347
- Miltonsburg, OH — population 38
- Woodsfield, OH — population 2,170
- Barnesville, OH — population 3,908
- Bethesda, OH — population 1,183
- Belmont, OH — population 404
- Antioch, OH — population 74