Personal loans in Ludlow Falls, OH

The Census counts 176 people in Ludlow Falls, the 838th-largest figure among Ohio's 924 places. Ludlow Falls gained roughly 1.7% in population across the 2020-to-2023 comparison.

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

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With roughly 176 residents, Ludlow Falls is a small community, and the lending rules its borrowers live under are written in Ohio, not by the city. Every figure below is Ohio's own, applied to Ludlow Falls's 176 residents, with the publisher and retrieval date attached. Judge Ludlow Falls offers on total cost, not on how quickly the money arrives. The nearest larger city is West Milton, OH about 3 miles away.

Local context for Ludlow Falls

Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.

Population: 176 residents; Ludlow Falls is the 838th-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
Population trend: A gain of roughly 1.7% between 2020 and 2023.
Change in people: the 2020-to-2023 comparison is a gain of about 3 residents.
Size percentile: about 9% of Ohio's Census places are smaller than Ludlow Falls.
Population density: 983 people per square mile on 0.2 square miles of land.
By land area: Ludlow Falls ranks 857th among Ohio's 924 places, at 0.2 sq mi.
State population share: Ludlow Falls accounts for about 0.0% of everyone in Ohio.
National standing: Ludlow Falls ranks 16,852nd of 19,457 US places.
Growth rank: Ludlow Falls's 2020-to-2023 change ranks 94th of 924 places in Ohio.
Against the state trend: Ludlow Falls's 1.7% change compares with a Ohio average of +0.9% across its 924 places.
Density in Ohio: Ludlow Falls ranks 610th by people per square mile.
Density in context: Ludlow Falls's 983 people per square mile sit against a Ohio median of 1,289.
Location: latitude 39.9981, longitude -84.3392 (Census Gazetteer).
Nearest larger cities: West Milton (3 mi); Pleasant Hill (4 mi); Laura (4 mi); Potsdam (5 mi); Union (7 mi). Larger metros often have more branches, but online lenders reach Ludlow Falls on the same terms.
Smaller communities within reach: Ithaca (12 mi); Lockington (15 mi); Castine (16 mi).
Smaller neighbours: 22 places smaller than Ludlow Falls sit within 50 miles.
At 100 miles: 599 larger Census places fall inside that radius.

Ohio rules behind a Ludlow Falls personal loan

When Ohio does not publish a figure, the row links to the source instead of inventing a number; Ludlow Falls is bound by the same rules.

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

Lender access in Ludlow Falls

At roughly 983 people per square mile, Ludlow Falls is moderately settled; 168 larger places lie within 50 miles. Whether Ludlow Falls has a local branch or not, a Ohio-licensed lender can serve its 176 people online on the same terms. For a larger market, the closest option is West Milton, OH about 3 miles away.

Where Ludlow Falls sits

The Census Gazetteer records about 0.2 square miles of land within Ludlow Falls, with no significant water area listed. The resulting density is about 983 people per square mile. The largest place in Ohio, Columbus, lies about 72 miles away. Ludlow Falls has 168 larger places within a 50-mile radius. By land area it ranks 857th of 924 Ohio places.

How a Ludlow Falls personal loan is priced

With roughly 176 residents, Ludlow Falls is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Ludlow Falls's rank of 838th in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Ludlow Falls decides the split between a comfortable payment and the total interest you pay.

Before you apply in Ludlow Falls

These steps shape the offer you get in Ludlow Falls, a place of about 176 people:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Use the loan calculator to test the payment on your intended amount and term.
Get several pre-qualifications and compare APR side by side before choosing.
Confirm the Ohio licence with the regulator named above before committing.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
Check the disclosure for fees that raise the true cost above the quoted rate.
Check that the monthly payment fits your budget next to your existing obligations.

What differs between Ludlow Falls and the rest of Ohio is not the process but the borrower's own file, among the 176 people here.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Ludlow Falls?

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 Ludlow Falls?

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 Ludlow Falls 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

West Milton, OH — population 4,805
Pleasant Hill, OH — population 1,257
Laura, OH — population 409
Potsdam, OH — population 222
Union, OH — population 6,949
Phillipsburg, OH — population 494
Covington, OH — population 2,598
Troy, OH — population 26,848