Personal loans in Pomeroy, OH
Pomeroy is a small community of about 1,526 residents, and a personal loan taken out here is governed by Ohio statute.
To lend to Pomeroy's 1,526 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. Pomeroy is home to roughly 1,526 people and stands 444th by size out of 924 Census places in Ohio. If debt is already a strain, a nonprofit credit counsellor can help Pomeroy residents before they take on more. The 2020 count to the 2023 estimate shows about 2.9% decline in Pomeroy. The nearest larger metro is Middleport, OH about 3 miles away.
Pomeroy: 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 1,526, ranked 444th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 2.9% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 45 residents.
- Size percentile: with 1,526 residents, Pomeroy is larger than about 52% of Ohio's Census places.
- Density: the Census land area of 3.3 sq mi holds about 465 people per square mile.
- By land area: Pomeroy ranks 279th among Ohio's 924 places, at 3.3 sq mi.
- Water: Pomeroy holds about 0.06 square miles, the 185th-largest water area in Ohio.
- State share: roughly 0.0% of Ohio's residents live in Pomeroy (1,526 people).
- National rank: Pomeroy is the 8,631st most populous of the 19,457 Census places covered here.
- Growth rank: Pomeroy ranks 861st among Ohio's 924 places for the 2020-to-2023 change.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Pomeroy's 2.9%.
- Density rank: Pomeroy places 828th among Ohio's places by people per square mile.
- Against the state median: Pomeroy runs about 465 residents per square mile, where the Ohio median is 1,289.
- Location: 39.0347, -82.0324 (US Census Bureau Gazetteer).
- Nearest larger cities: Middleport (3 mi); Point Pleasant (14 mi); Ravenswood (15 mi); Gallipolis (17 mi); Athens (20 mi). Lenders licensed in the state serve Pomeroy whether or not they keep a local branch.
- Smaller places nearby: Mason (1 mi); Hartford City (4 mi); Syracuse (4 mi).
- Smaller neighbours: 54 places smaller than Pomeroy sit within 50 miles.
- Within 100 miles: 140 places are larger than Pomeroy.
Pomeroy: area, density and distance
Pomeroy's land area is about 3.3 square miles; a further 0.06 square miles is water. That land carries about 465 people per square mile. Columbus, the largest place in Ohio, is about 83 miles from Pomeroy. Within 50 miles of Pomeroy there are 30 larger Census places. The 100-mile radius contains 140 larger places.
Pomeroy against the rest of Ohio
Against Ohio's other places, Pomeroy accounts for about 0.0% of the state's population and ranks 444th of 924 by size. Its 2020-to-2023 change ranks 861st of 924 Ohio places, putting it near the 7th percentile for growth. By density, at about 465 people per square mile, it ranks 828th in Ohio. The population moved by about 45 people between 2020 and 2023, a 2.9% shift.
What Ohio law requires in Pomeroy
These are Ohio's sourced lending facts as they reach Pomeroy's 1,526 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 |
| 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 |
| 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 |
The anatomy of a Pomeroy personal loan
Pomeroy is a small community of about 1,526 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Pomeroy's rank of 444th in Ohio: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Pomeroy loan but raises total interest, so the smallest payment is not the cheapest loan.
Lender access in Pomeroy
At roughly 465 people per square mile, Pomeroy is lightly settled; 30 larger places lie within 50 miles. Whether Pomeroy has a local branch or not, a Ohio-licensed lender can serve its 1,526 people online on the same terms. The nearest bigger place is Middleport, OH about 3 miles away.
Common questions
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Nearby places
- Mason, WV — population 834
- Middleport, OH — population 2,156
- Hartford City, WV — population 494
- Syracuse, OH — population 779
- New Haven, WV — population 1,418
- Rutland, OH — population 416
- Cheshire, OH — population 124
- Racine, OH — population 671