Personal loans in Lockbourne, OH

Population in Lockbourne dropped about 3.4% over the three years from 2020 to 2023. Lockbourne is home to roughly 229 people and stands 797th by size out of 924 Census places in Ohio.

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

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Lockbourne is a small community of about 229 residents, and a personal loan taken out here is governed by Ohio statute. Use the calculator on this page to price an amount and term before you commit in Lockbourne. For the 229 people in Lockbourne, Ohio runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The closest larger city is Commercial Point, OH about 2 miles away.

What the Census records for Lockbourne

Set out below is Lockbourne's local context next to the state-level rules that reach every lender here.

Population: about 229 people live here, which puts Lockbourne 797th of 924 Census places in Ohio (Vintage 2023).
Population trend: A drop of about 3.4% from 2020 to 2023.
Net change: roughly 8 fewer people than the 2020 Census counted.
Size percentile: with 229 residents, Lockbourne is larger than about 14% of Ohio's Census places.
Population density: about 292 people per square mile across 0.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Lockbourne ranks 583rd among Ohio's 924 places, at 0.8 sq mi.
Water: Lockbourne holds about 0.05 square miles, the 205th-largest water area in Ohio.
State population share: Lockbourne accounts for about 0.0% of everyone in Ohio.
National rank: Lockbourne sits 16,035th by population among the 19,457 places in this dataset.
Growth in Ohio: Lockbourne stands 903rd by percentage change from 2020 to 2023, among 924 places.
Against the state trend: Lockbourne's 3.4% change compares with a Ohio average of +0.9% across its 924 places.
Density rank: Lockbourne places 877th among Ohio's places by people per square mile.
Density vs Ohio: Lockbourne's 292 people per square mile compare with a state median of 1,289.
Location: 39.8089, -82.9873 (Census Gazetteer coordinates).
Nearest larger cities: Commercial Point (2 mi); Obetz (4 mi); Ashville (6 mi); Groveport (6 mi); South Bloomfield (6 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Nearest smaller towns: Darbyville (10 mi); Brice (11 mi); West Rushville (29 mi).
Smaller places within 50 miles: 18 of them.
Within 100 miles: 515 places are larger than Lockbourne.

How personal loans work in Lockbourne

Most loans made to Lockbourne's 229 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Lockbourne can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Lockbourne loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Lockbourne sits in Ohio

Against Ohio's other places, Lockbourne accounts for about 0.0% of the state's population and ranks 797th of 924 by size. On the 2020-to-2023 trend, Lockbourne stands 903rd among Ohio's 924 places — roughly the 2th percentile. By density, at about 292 people per square mile, it ranks 877th in Ohio. Within 50 miles sit 18 smaller Census places, alongside the 121 that are larger.

Ohio consumer-lending rules applied in Lockbourne

The rows below set out what a licensed lender must follow in Ohio, and so for Lockbourne's roughly 229 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
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

Getting a loan in Lockbourne

Lockbourne is lightly settled, with about 292 people per square mile and 121 larger places within 50 miles. What is available to Lockbourne's 229 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest larger city, Commercial Point, OH about 2 miles away.

Before you apply in Lockbourne

A sensible order of operations for a loan in Lockbourne, home to about 229 people:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Model the payment on the calculator before a lender models it for you.
Collect three or more offers and compare them on APR, not on the advertised rate.
Look the lender up in the Ohio regulator's licence records before you sign.
Make sure the new payment leaves room in a budget you already keep.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Lockbourne and the rest of Ohio is not the process but the borrower's own file, among the 229 people here.

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Common questions

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

What loan size can I expect in Lockbourne?

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 Lockbourne?

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 Lockbourne 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

Commercial Point, OH — population 3,215
Obetz, OH — population 6,971
Ashville, OH — population 4,760
South Bloomfield, OH — population 2,660
Groveport, OH — population 5,806
Grove City, OH — population 42,782
Urbancrest, OH — population 996
Bexley, OH — population 12,785