Personal loans in Mingo Junction, OH

If you are weighing a personal loan in Mingo Junction, start from the payment you can carry; its 3,257 residents face the same statewide rules. With an estimated 3,257 residents, Mingo Junction is the 320th-largest of 924 places in Ohio.

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

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The nearest larger city is Steubenville, OH about 3 miles away. Mingo Junction lost roughly 2.7% of its population across the 2020-to-2023 comparison. State law, not city hall, decides what a lender may do to Mingo Junction's roughly 3,257 residents, and a state regulator supervises it. Judge Mingo Junction offers on total cost, not on how quickly the money arrives.

Local context for Mingo Junction

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

Population: an estimated 3,257 residents, 320th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
Population trend: The 2020-to-2023 change is negative, near 2.7%.
Net change: roughly 90 fewer people than the 2020 Census counted.
Size percentile: Mingo Junction's 3,257 people outrank roughly 65% of the places in Ohio.
Population density: about 1,211 people per square mile (Census land area 2.7 sq mi).
Land area rank: Mingo Junction's 2.7 square miles rank 307th of 924 places in Ohio.
Water: Mingo Junction holds about 0.17 square miles, the 86th-largest water area in Ohio.
State share: roughly 0.0% of Ohio's residents live in Mingo Junction (3,257 people).
National rank: Mingo Junction is 6,022nd of 19,457 places nationwide.
Growth rank: Mingo Junction ranks 845th among Ohio's 924 places for the 2020-to-2023 change.
Versus Ohio: the state average change is +0.9%, while Mingo Junction moved 2.7%.
Density in Ohio: Mingo Junction ranks 501st by people per square mile.
Against the state median: Mingo Junction runs about 1,211 residents per square mile, where the Ohio median is 1,289.
Location: it lies at 40.3253, -80.6194 in the Census Gazetteer.
Nearest larger cities: Steubenville (3 mi); Wintersville (6 mi); Weirton (6 mi); Toronto (9 mi); Martins Ferry (16 mi). Lenders licensed in the state serve Mingo Junction whether or not they keep a local branch.
Smaller communities close by: Follansbee (1 mi); Wellsburg (3 mi); New Alexandria (4 mi), each with its own Census population profile.
Within a 50-mile radius: 217 smaller Census places.
At 100 miles: 230 larger Census places fall inside that radius.

How Mingo Junction compares across Ohio

Within Ohio, Mingo Junction holds roughly 0.0% of all residents, the 320th-largest share among 924 places. For population change between 2020 and 2023, Mingo Junction ranks 845th of 924 in Ohio (about the 9th percentile). By density, at about 1,211 people per square mile, it ranks 501st in Ohio. Within 50 miles sit 217 smaller Census places, alongside the 90 that are larger.

A practical checklist for Mingo Junction borrowers

Before you hand your details to a lender in Mingo Junction, where the population is near 3,257:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Use the loan calculator to test the payment on your intended amount and term.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Make sure the lender appears in the Ohio regulator's licence list.
Look for an origination fee or prepayment penalty in the written disclosure.
Test the payment against your current bills before you commit.
Weigh a shorter term's higher payment against the interest it saves.

The process is identical across Ohio; what changes is your credit file, not the fact that Mingo Junction holds 3,257 people.

Mingo Junction: area, density and distance

The Census Gazetteer records 2.7 square miles of land and 0.17 square miles of water within Mingo Junction. With 3,257 residents, the land area yields roughly 1,211 people per square mile. The largest place in Ohio, Columbus, lies about 127 miles away. Counting outward 50 miles, 90 larger communities surround Mingo Junction. The 100-mile radius contains 230 larger places.

Getting a loan in Mingo Junction

At roughly 1,211 people per square mile, Mingo Junction is moderately settled; 90 larger places lie within 50 miles. Whether Mingo Junction has a local branch or not, a Ohio-licensed lender can serve its 3,257 people online on the same terms. The nearest bigger place is Steubenville, OH about 3 miles away.

The state rulebook for Mingo Junction

Below are the Ohio rules that apply to a loan made in Mingo Junction, each with the regulator that issued it.

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

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Common questions

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

What loan size can I expect in Mingo Junction?

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 Mingo Junction?

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 Mingo Junction 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

Follansbee, WV — population 2,692
Wellsburg, WV — population 2,302
Steubenville, OH — population 18,064
New Alexandria, OH — population 224
Weirton, WV — population 18,386
Wintersville, OH — population 3,676
Beech Bottom, WV — population 524
Toronto, OH — population 5,190