Personal loans in Ontario, OH

Read the disclosure for an origination fee and any prepayment penalty before signing in Ontario. Census data show virtually no population shift in Ontario between 2020 and 2023. A single loan can carry different costs on either side of a state line, and Ontario sits on the Ohio side of that line. A larger market lies at Mansfield, OH about 4 miles away.

Ontario: the sourced local profile

Here is the sourced Census picture for Ontario, plus the Ohio lending rules that apply to a loan taken out here.

• Population: about 6,653, ranked 221st of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
• Population trend: Steady across the 2020-to-2023 comparison.
• Size percentile: Ontario sits ahead of around 76% of Ohio places, at 6,653 people.
• Population density: 600 people per square mile on 11.1 square miles of land.
• By land area: Ontario ranks 86th among Ohio's 924 places, at 11.1 sq mi.
• Water area rank: Ontario ranks 294th among Ohio's 924 places, with 0.02 sq mi.
• State population share: Ontario accounts for about 0.1% of everyone in Ohio.
• National standing: Ontario ranks 4,116th of 19,457 US places.
• Growth rank: Ontario's 2020-to-2023 change ranks 269th of 924 places in Ohio.
• Against the state trend: Ontario's 0.0% change compares with a Ohio average of +0.9% across its 924 places.
• Density rank: Ontario is the 779th most densely settled place in Ohio.
• Against the state median: Ontario runs about 600 residents per square mile, where the Ohio median is 1,289.
• Location: 40.7682, -82.6148 (US Census Bureau Gazetteer).
• Nearest larger cities: Mansfield (4 mi); Shelby (8 mi); Galion (9 mi); Ashland (17 mi); Bucyrus (19 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Lexington (6 mi); Crestline (7 mi); Lucas (11 mi).
• Smaller neighbours: 110 places smaller than Ontario sit within 50 miles.
• Larger places within 100 miles: 159.

How a Ontario personal loan is priced

In Ontario, a small town of about 6,653, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Ontario can be quoted different APRs on the same amount and term. Shortening the term on a Ontario loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

A pre-application checklist for Ontario

These steps shape the offer you get in Ontario, a place of about 6,653 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Ohio regulator's licence records before you sign.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Test the payment against your current bills before you commit.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across Ohio; what changes is your credit file, not the fact that Ontario holds 6,653 people.

How Ohio law applies in Ontario

Every row below records a Ohio rule, its publisher and its retrieval date — the same rules a Ontario lender must follow.

Ontario's place among Ohio's 924 places

Set beside Ohio's 924 places, Ontario ranks 221st by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Ontario ranks 269th of 924 in Ohio (about the 71th percentile). Its roughly 600 residents per square mile place it 779th among Ohio's places. Within 50 miles sit 110 smaller Census places, alongside the 28 that are larger.

Ontario on the map

Ontario covers about 11.1 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). That land carries about 600 people per square mile. For the state's biggest city, Columbus, the distance is roughly 58 miles. A 50-mile radius around Ontario takes in 28 places that are larger. Within the same 50 miles lie 110 smaller Census places.