Personal loans in Kirby, OH
With an estimated 113 residents, Kirby is the 889th-largest of 924 places in Ohio. Personal loans in Kirby are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 113 population.
A 2020-to-2023 comparison shows Kirby down by about 2.6%. Judge Kirby offers on total cost, not on how quickly the money arrives. Lenders active in Kirby report to a Ohio supervisor, identified in the sourced rows below. A larger market lies at Wharton, OH about 4 miles away.
What the Census records for Kirby
Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.
- Population: 113 residents; Kirby is the 889th-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
- Population trend: Down about 2.6% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
- Size percentile: about 4% of Ohio's Census places are smaller than Kirby.
- Land and density: 0.1 square miles of land carry roughly 1,046 residents per square mile.
- By land area: Kirby ranks 895th among Ohio's 924 places, at 0.1 sq mi.
- State population share: Kirby accounts for about 0.0% of everyone in Ohio.
- National rank: Kirby is 17,902nd of 19,457 places nationwide.
- Growth rank: Kirby ranks 829th among Ohio's 924 places for the 2020-to-2023 change.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Kirby's 2.6%.
- Density rank: Kirby places 582nd among Ohio's places by people per square mile.
- Density in context: Kirby's 1,046 people per square mile sit against a Ohio median of 1,289.
- Location: 40.8135, -83.4194 (US Census Bureau Gazetteer).
- Nearest larger cities: Wharton (4 mi); Forest (5 mi); Patterson (6 mi); Upper Sandusky (8 mi); Mount Blanchard (9 mi). Online lenders reach Kirby no matter how far the nearest branch is.
- Nearest smaller towns: Marseilles (8 mi); Belmore (36 mi); New Bavaria (47 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 3 smaller Census places.
- At 100 miles: 601 larger Census places fall inside that radius.
The state rulebook for Kirby
Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Kirby 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 |
How personal loans work in Kirby
Kirby is a small community of about 113 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Kirby's 113 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Kirby loan but raises total interest, so the smallest payment is not the cheapest loan.
Borrowing reach in Kirby
Kirby is a moderately settled community of about 113 people, with 160 larger places inside a 50-mile radius. Lenders licensed in Ohio reach Kirby's 113 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Wharton, OH about 4 miles away.
How Kirby compares across Ohio
Set beside Ohio's 924 places, Kirby ranks 889th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 829th of 924 Ohio places, putting it near the 10th percentile for growth. Its roughly 1,046 residents per square mile place it 582nd among Ohio's places. In land area, Kirby ranks 895th among Ohio's 924 places.
Land, water and location for Kirby
The Census Gazetteer records about 0.1 square miles of land within Kirby, with no significant water area listed. With 113 residents, the land area yields roughly 1,046 people per square mile. The largest place in Ohio, Columbus, lies about 62 miles away. Counting outward 50 miles, 160 larger communities surround Kirby. By land area it ranks 895th of 924 Ohio places.
Common questions
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Nearby places
- Wharton, OH — population 319
- Forest, OH — population 1,331
- Patterson, OH — population 125
- Marseilles, OH — population 94
- Carey, OH — population 3,491
- Upper Sandusky, OH — population 6,647
- Mount Blanchard, OH — population 462
- Vanlue, OH — population 339