Personal loans in North Bend, OH
For a borrower among the roughly 827 residents of North Bend, a personal loan is a tool whose cost turns on the terms, not the address. The Census counts 827 people in North Bend, the 565th-largest figure among Ohio's 924 places.
Pull your credit reports and line up at least three offers before you apply from North Bend. North Bend lost roughly 1.2% of its population across the 2020-to-2023 comparison. Rate ceilings, licensing requirements and product limits for North Bend are all set at the Ohio level. Borrowers who want a bigger city can look to Cleves, OH about 1 miles away.
North Bend: population, trend and location
Here is the sourced Census picture for North Bend, plus the Ohio lending rules that apply to a loan taken out here.
- Population: about 827, ranked 565th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 1.2% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 10 fewer people than the 2020 Census counted.
- Size percentile: roughly 39% of Ohio's places have fewer residents than North Bend's 827.
- Density: roughly 757 residents per square mile, spread over 1.1 sq mi of land.
- Land area rank: North Bend's 1.1 square miles rank 500th of 924 places in Ohio.
- Water: North Bend holds about 0.06 square miles, the 202nd-largest water area in Ohio.
- State population share: North Bend accounts for about 0.0% of everyone in Ohio.
- National rank: North Bend is 11,042nd of 19,457 places nationwide.
- Growth rank: North Bend ranks 517th among Ohio's 924 places for the 2020-to-2023 change.
- Against the state trend: North Bend's 1.2% change compares with a Ohio average of +0.9% across its 924 places.
- Density in Ohio: North Bend ranks 714th by people per square mile.
- Density in context: North Bend's 757 people per square mile sit against a Ohio median of 1,289.
- Location: mapped by the US Census Bureau at 39.1492, -84.7353.
- Nearest larger cities: Cleves (1 mi); Addyston (1 mi); Greendale (5 mi); Cheviot (7 mi); Harrison (8 mi). Larger metros often have more branches, but online lenders reach North Bend on the same terms.
- Nearest smaller towns: West Harrison (9 mi); Bromley (11 mi); Kenton Vale (13 mi) — useful context for the surrounding area.
- Smaller neighbours: 61 places smaller than North Bend sit within 50 miles.
- Larger places within 100 miles: 380.
A pre-application checklist for North Bend
Complete these steps first when you borrow in North Bend (827 residents):
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Confirm the Ohio licence with the regulator named above before committing.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Make sure the new payment leaves room in a budget you already keep.
- 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 North Bend holds 827 people.
What Ohio law requires in North Bend
The rows below set out what a licensed lender must follow in Ohio, and so for North Bend's roughly 827 residents.
| 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 |
North Bend against the rest of Ohio
Among Ohio's 924 places, North Bend sits at 565th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, North Bend stands 517th among Ohio's 924 places — roughly the 44th percentile. By density, at about 757 people per square mile, it ranks 714th in Ohio. Between 2020 and 2023 the count changed by roughly 10 residents.
Lender access in North Bend
At roughly 757 people per square mile, North Bend is moderately settled; 133 larger places lie within 50 miles. What is available to North Bend's 827 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Cleves, OH about 1 miles away.
North Bend: area, density and distance
The Census Gazetteer records 1.1 square miles of land and 0.06 square miles of water within North Bend. Spread across it are roughly 757 residents per square mile. The largest place in Ohio, Columbus, lies about 110 miles away. Counting outward 50 miles, 133 larger communities surround North Bend. The 100-mile radius contains 380 larger places.
Common questions
What are my options in North Bend if my credit is poor?
What loan size can I expect in North Bend?
Do I have to pledge anything to borrow in North Bend?
Does comparing loans in North Bend cost me credit score points?
Nearby places
- Cleves, OH — population 3,355
- Addyston, OH — population 904
- Greendale, IN — population 4,564
- Harrison, OH — population 13,320
- Cheviot, OH — population 8,565
- West Harrison, IN — population 334
- Lawrenceburg, IN — population 5,194
- Villa Hills, KY — population 7,537