Personal loans in Moscow, OH
Moscow added about 1.9% to its population between the 2020 base and the 2023 estimate. An estimated 157 people make their home in Moscow, a figure that ranks 854th in Ohio.
A personal loan in Moscow is priced from your credit file and income, not from the fact that the city holds 157 people. For a community of about 157, the practical step is to compare APR across at least three lenders before committing. Lenders active in Moscow report to a Ohio supervisor, identified in the sourced rows below. The closest larger city is Mentor, KY about 2 miles away.
Moscow: the sourced local profile
Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.
- Population: about 157, ranked 854th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 1.9% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 3 residents.
- Size percentile: about 8% of Ohio's Census places are smaller than Moscow.
- Density: the Census land area of 0.4 sq mi holds about 428 people per square mile.
- Land area rank: Moscow's 0.4 square miles rank 744th of 924 places in Ohio.
- Water area rank: Moscow ranks 299th among Ohio's 924 places, with 0.02 sq mi.
- Share of Ohio: Moscow holds about 0.0% of the state's population, some 157 people.
- National standing: Moscow ranks 17,183rd of 19,457 US places.
- Growth rank: Moscow ranks 83rd among Ohio's 924 places for the 2020-to-2023 change.
- Versus Ohio: the state average change is +0.9%, while Moscow moved 1.9%.
- Density in Ohio: Moscow ranks 836th by people per square mile.
- Against the state median: Moscow runs about 428 residents per square mile, where the Ohio median is 1,289.
- Location: 38.8599, -84.2283 (US Census Bureau Gazetteer).
- Nearest larger cities: Mentor (2 mi); Felicity (7 mi); New Richmond (8 mi); Butler (9 mi); Bethel (11 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Neville (3 mi); California (4 mi); Chilo (7 mi).
- Smaller places within 50 miles: 14 of them.
- Within 100 miles: 524 places are larger than Moscow.
What a Moscow borrower is actually offered
In Moscow, a small community of about 157, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Moscow's 157 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Moscow loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
What is available to Moscow borrowers
With about 428 residents per square mile, Moscow is lightly settled, and 161 larger Census places sit within 50 miles. What is available to Moscow's 157 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest larger city, Mentor, KY about 2 miles away.
How Moscow compares across Ohio
Within Ohio, Moscow holds roughly 0.0% of all residents, the 854th-largest share among 924 places. For population change between 2020 and 2023, Moscow ranks 83rd of 924 in Ohio (about the 91th percentile). By density, at about 428 people per square mile, it ranks 836th in Ohio. By land area, its 0.4 square miles rank 744th of 924 places in Ohio.
The geography behind Moscow
Inside Moscow's boundaries lie roughly 0.4 square miles of land and 0.02 square miles of water. Spread across it are roughly 428 residents per square mile. For the state's biggest city, Columbus, the distance is roughly 102 miles. Moscow has 161 larger places within a 50-mile radius. Within the same 50 miles lie 14 smaller Census places.
What Ohio law requires in Moscow
These are Ohio's sourced lending facts as they reach Moscow's 157 residents; the state has no city-level rate rule.
| 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 |
Common questions
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Nearby places
- Mentor, KY — population 223
- Neville, OH — population 87
- California, KY — population 81
- Chilo, OH — population 72
- New Richmond, OH — population 2,769
- Felicity, OH — population 656
- Butler, KY — population 642
- Bethel, OH — population 2,659