Personal loans in Milledgeville, OH

Milledgeville is a small community in Ohio, with an estimated 101 residents, and every licensed lender here follows the same state rulebook. With 101 residents, Milledgeville outranks about 3% of the communities in Ohio.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

From the 2020 Census base to the 2023 estimate, the population declined by about 1.0%. Compare APR, not the interest rate, because the APR folds in most fees on a Milledgeville loan. A larger market lies at Jeffersonville, OH about 5 miles away. When Ohio caps or restricts a product, lenders either change the terms or withdraw it from Milledgeville as from the rest of the state.

Milledgeville: the sourced local profile

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

The Ohio lending rules that reach Milledgeville

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

RuleDetailSource
State lending regulatorOhio 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
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
Payday lending statusLegal 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

The anatomy of a Milledgeville personal loan

Milledgeville is a small community of about 101 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Milledgeville lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Milledgeville loan but raises total interest, so the smallest payment is not the cheapest loan.

How Milledgeville compares across Ohio

Against Ohio's other places, Milledgeville accounts for about 0.0% of the state's population and ranks 899th of 924 by size. On the 2020-to-2023 trend, Milledgeville stands 464th among Ohio's 924 places — roughly the 50th percentile. By density, at about 1,010 people per square mile, it ranks 596th in Ohio. Within 50 miles sit 2 smaller Census places, alongside the 159 that are larger.

Land, water and location for Milledgeville

The Census Gazetteer records about 0.1 square miles of land within Milledgeville, with no significant water area listed. With 101 residents, the land area yields roughly 1,010 people per square mile. For the state's biggest city, Columbus, the distance is roughly 42 miles. Within 50 miles of Milledgeville there are 159 larger Census places. The 100-mile radius contains 589 larger places.

What is available to Milledgeville borrowers

With about 1,010 residents per square mile, Milledgeville is moderately settled, and 159 larger Census places sit within 50 miles. What is available to Milledgeville's 101 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 Jeffersonville, OH about 5 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Milledgeville 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 Milledgeville is the same as anywhere in Ohio.
What loan size can I expect in Milledgeville?
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 Milledgeville?
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 Milledgeville 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.

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