Personal loans in Philo, OH

Philo, Ohio — home to about 721 people — is a small community, so the terms you are offered follow Ohio law rather than any local rule. Consumer lending that reaches Philo's 721 residents is governed by Ohio statute; no city ordinance changes it. Use the calculator on this page to price an amount and term before you commit in Philo. Borrowers who want a bigger city can look to South Zanesville, OH about 6 miles away.

Philo by the numbers

The figures below are Philo's own — Census population, land area and coordinates — followed by the Ohio rules.

• Population: 721 — Philo ranks 591st of 924 communities in Ohio (US Census Bureau, Vintage 2023).
• Population trend: Roughly 0.4% more residents than the 2020 Census counted.
• People gained or lost: about 3 more since the 2020 base.
• Size percentile: roughly 36% of Ohio's places have fewer residents than Philo's 721.
• Land and density: 0.5 square miles of land carry roughly 1,408 residents per square mile.
• Land area: Philo covers 0.5 square miles, the 682nd-largest area among Ohio's 924 places.
• State share: roughly 0.0% of Ohio's residents live in Philo (721 people).
• Nationally: Philo is the 11,655th-largest of 19,457 Census places in the dataset.
• Growth rank: Philo's 2020-to-2023 change ranks 195th of 924 places in Ohio.
• Against the state trend: Philo's 0.4% change compares with a Ohio average of +0.9% across its 924 places.
• Density in Ohio: Philo ranks 402nd by people per square mile.
• Density vs Ohio: Philo's 1,408 people per square mile compare with a state median of 1,289.
• Location: 39.8613 / -81.9088, per the US Census Bureau Gazetteer.
• Nearest larger cities: South Zanesville (6 mi); Zanesville (9 mi); Roseville (10 mi); Crooksville (12 mi); New Concord (13 mi). Online lenders reach Philo no matter how far the nearest branch is.
• Smaller places close by: Norwich (11 mi); Fultonham (12 mi); Cumberland (13 mi).
• Smaller places within 50 miles: 69 of them.
• At 100 miles: 303 larger Census places fall inside that radius.

The Ohio lending rules that reach Philo

When Ohio does not publish a figure, the row links to the source instead of inventing a number; Philo is bound by the same rules.

How a Philo personal loan is priced

Philo is a small community of about 721 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Philo lender to disclose the APR and finance charge before you sign. The term you choose in Philo decides the split between a comfortable payment and the total interest you pay.

Where Philo sits

The Census Gazetteer records about 0.5 square miles of land within Philo, with no significant water area listed. Spread across it are roughly 1,408 residents per square mile. Columbus, the largest place in Ohio, is about 58 miles from Philo. Philo has 67 larger places within a 50-mile radius. Within the same 50 miles lie 69 smaller Census places.

Before you apply in Philo

A sensible order of operations for a loan in Philo, home to about 721 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Line up several pre-qualified offers and let the APR decide.
4. Make sure the lender appears in the Ohio regulator's licence list.
5. Test the payment against your current bills before you commit.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Keep the amount to the expense; an approval is not a reason to take more.

In Philo as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 721 residents.

Where Philo sits in Ohio

Philo is the 591st-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. For population change between 2020 and 2023, Philo ranks 195th of 924 in Ohio (about the 79th percentile). At about 1,408 people per square mile, Philo is the 402nd most densely settled place in Ohio. In land area, Philo ranks 682nd among Ohio's 924 places.