Personal loans in Napoleon, OH
Napoleon is one of 924 Census places in Ohio; its 8,750 residents put it at 189th. A lender serving Napoleon holds a Ohio licence and answers to a Ohio regulator; no city office is involved for its 8,750 residents.
The trend for Napoleon between 2020 and 2023 is downward by roughly 1.3%. For a community of about 8,750, the practical step is to compare APR across at least three lenders before committing. When Ohio caps or restricts a product, lenders either change the terms or withdraw it from Napoleon as from the rest of the state. For a bigger market, look to Defiance, OH about 15 miles away.
The Napoleon data picture
Napoleon is a small town; the notes below cover its population profile and the statewide rules that apply.
- Population: the Census counts 8,750 residents in Napoleon (Vintage 2023 subcounty estimate), the 189th-largest figure among Ohio's 924 places.
- Population trend: A drop of about 1.3% from 2020 to 2023.
- Net change: roughly 112 fewer people than the 2020 Census counted.
- Size percentile: about 80% of Ohio communities are smaller than Napoleon (8,750 residents).
- Population density: 1,408 people per square mile on 6.2 square miles of land.
- Land area: Napoleon covers 6.2 square miles, the 170th-largest area among Ohio's 924 places.
- Water area rank: Napoleon ranks 28th among Ohio's 924 places, with 0.36 sq mi.
- State population share: Napoleon accounts for about 0.1% of everyone in Ohio.
- National rank: Napoleon is 3,452nd of 19,457 places nationwide.
- Growth in Ohio: Napoleon stands 541st by percentage change from 2020 to 2023, among 924 places.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Napoleon's 1.3%.
- Density rank: Napoleon is the 403rd most densely settled place in Ohio.
- Density vs Ohio: Napoleon's 1,408 people per square mile compare with a state median of 1,289.
- Location: coordinates 41.3980, -84.1250 (US Census Bureau Gazetteer).
- Nearest larger cities: Defiance (15 mi); Bowling Green (25 mi); Maumee (27 mi); Perrysburg (27 mi); Sylvania (30 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Florida (6 mi); Liberty Center (7 mi); Malinta (7 mi) — useful context for the surrounding area.
- Smaller neighbours: 152 places smaller than Napoleon sit within 50 miles.
- At 100 miles: 114 larger Census places fall inside that radius.
The state rulebook for Napoleon
When Ohio does not publish a figure, the row links to the source instead of inventing a number; Napoleon 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 |
| 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 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 |
Borrowing reach in Napoleon
Napoleon is a moderately settled community of about 8,750 people, with 14 larger places inside a 50-mile radius. Distance to a branch rarely matters for Napoleon's 8,750 residents: the application is online and the price follows your credit file. The nearest bigger place is Defiance, OH about 15 miles away.
How Napoleon compares across Ohio
Within Ohio, Napoleon holds roughly 0.1% of all residents, the 189th-largest share among 924 places. Its 2020-to-2023 change ranks 541st of 924 Ohio places, putting it near the 41th percentile for growth. Its roughly 1,408 residents per square mile place it 403rd among Ohio's places. By land area, its 6.2 square miles rank 170th of 924 places in Ohio.
Napoleon: area, density and distance
Napoleon's land area is about 6.2 square miles; a further 0.36 square miles is water. The resulting density is about 1,408 people per square mile. The largest place in Ohio, Columbus, lies about 115 miles away. A 50-mile radius around Napoleon takes in 14 places that are larger. The 100-mile radius contains 114 larger places.
What a Napoleon borrower is actually offered
With roughly 8,750 residents, Napoleon is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Napoleon's 8,750 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Napoleon loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
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Nearby places
- Florida, OH — population 213
- Malinta, OH — population 228
- Liberty Center, OH — population 1,097
- Holgate, OH — population 1,043
- Wauseon, OH — population 7,443
- McClure, OH — population 694
- Hamler, OH — population 604
- New Bavaria, OH — population 86