Personal loans in Millbury, OH
Two households in Millbury with comparable incomes can still be offered different rates; the city's 1,197 residents are not the reason. Population in Millbury climbed about 0.6% over the three years from 2020 to 2023.
An estimated 1,197 people make their home in Millbury, a figure that ranks 494th in Ohio. Work out your debt-to-income ratio first; lenders weigh it heavily, and Millbury's 1,197 residents are no exception. To lend to Millbury's 1,197 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. The nearest larger city is Walbridge, OH about 4 miles away.
Where Millbury stands
Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.
- Population: 1,197 — Millbury ranks 494th of 924 communities in Ohio (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 0.6%.
- Change in people: the 2020-to-2023 comparison is a gain of about 7 residents.
- Size percentile: roughly 47% of Ohio places rank below Millbury.
- Density: roughly 1,202 residents per square mile, spread over 1.0 sq mi of land.
- Land area: Millbury covers 1.0 square miles, the 523rd-largest area among Ohio's 924 places.
- Within Ohio: about 0.0% of the state's population lives in Millbury.
- National rank: Millbury is 9,564th of 19,457 places nationwide.
- Growth rank: Millbury's 2020-to-2023 change ranks 175th of 924 places in Ohio.
- Against the state trend: Millbury's 0.6% change compares with a Ohio average of +0.9% across its 924 places.
- Density in Ohio: Millbury ranks 508th by people per square mile.
- Density in context: Millbury's 1,202 people per square mile sit against a Ohio median of 1,289.
- Location: 41.5647 / -83.4255, per the US Census Bureau Gazetteer.
- Nearest larger cities: Walbridge (4 mi); Northwood (4 mi); Genoa (4 mi); Oregon (6 mi); Rossford (8 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller places: Clay Center (3 mi); Luckey (8 mi); Harbor View (9 mi).
- Smaller neighbours: 63 places smaller than Millbury sit within 50 miles.
- Within 100 miles: 339 places are larger than Millbury.
What Ohio law requires in Millbury
Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Millbury 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 lenders reach Millbury
Millbury is moderately settled, with about 1,202 people per square mile and 75 larger places within 50 miles. Lenders licensed in Ohio reach Millbury's 1,197 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Walbridge, OH about 4 miles away.
Where Millbury sits in Ohio
Within Ohio, Millbury holds roughly 0.0% of all residents, the 494th-largest share among 924 places. For population change between 2020 and 2023, Millbury ranks 175th of 924 in Ohio (about the 81th percentile). Its roughly 1,202 residents per square mile place it 508th among Ohio's places. By land area, its 1.0 square miles rank 523rd of 924 places in Ohio.
What shapes a Millbury personal loan
With roughly 1,197 residents, Millbury is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Millbury can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Millbury loan is knowable in advance — unlike a revolving card balance.
Land, water and location for Millbury
The Census Gazetteer records about 1.0 square miles of land within Millbury, with no significant water area listed. With 1,197 residents, the land area yields roughly 1,202 people per square mile. The largest place in Ohio, Columbus, lies about 112 miles away. Millbury has 75 larger places within a 50-mile radius. By land area it ranks 523rd of 924 Ohio places.
Common questions
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Nearby places
- Clay Center, OH — population 251
- Walbridge, OH — population 3,043
- Northwood, OH — population 5,211
- Genoa, OH — population 2,193
- Oregon, OH — population 19,711
- Luckey, OH — population 1,012
- Woodville, OH — population 1,985
- Harbor View, OH — population 90