Personal loans in Port Washington, OH

The Census counts 545 people in Port Washington, the 648th-largest figure among Ohio's 924 places. Two households in Port Washington with comparable incomes can still be offered different rates; the city's 545 residents are not the reason.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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Work out your debt-to-income ratio first; lenders weigh it heavily, and Port Washington's 545 residents are no exception. When Ohio caps or restricts a product, lenders either change the terms or withdraw it from Port Washington as from the rest of the state. Census figures put the 2020-to-2023 decrease in Port Washington at about 1.6%. The nearest larger city is Newcomerstown, OH about 5 miles away.

The Port Washington data picture

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

Population: an estimated 545 residents, 648th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
Population trend: Down about 1.6% from the 2020 Census base to the 2023 estimate.
Change in people: the 2020-to-2023 comparison is a loss of about 9 residents.
Size percentile: roughly 30% of Ohio places rank below Port Washington.
Population density: about 1,000 people per square mile (Census land area 0.5 sq mi).
Land area: Port Washington covers 0.5 square miles, the 669th-largest area among Ohio's 924 places.
Water area: Port Washington has 0.01 square miles of water, ranking 355th of 924 places in Ohio.
State population share: Port Washington accounts for about 0.0% of everyone in Ohio.
Nationally: Port Washington is the 12,807th-largest of 19,457 Census places in the dataset.
Growth rank: Port Washington ranks 647th among Ohio's 924 places for the 2020-to-2023 change.
Versus Ohio: the state average change is +0.9%, while Port Washington moved 1.6%.
Density rank: Port Washington places 600th among Ohio's places by people per square mile.
Against the state median: Port Washington runs about 1,000 residents per square mile, where the Ohio median is 1,289.
Location: coordinates 40.3267, -81.5194 (US Census Bureau Gazetteer).
Nearest larger cities: Newcomerstown (5 mi); Gnadenhutten (5 mi); Tuscarawas (8 mi); Uhrichsville (10 mi); Midvale (11 mi). A branch is convenient; it is not what sets your APR.
Smaller places nearby: Stone Creek (5 mi); Barnhill (12 mi); Plainfield (13 mi).
Within a 50-mile radius: 71 smaller Census places.
Larger places within 100 miles: 585.

Which Ohio laws govern a loan in Port Washington

For the roughly 545 residents of Port Washington, the rules below are Ohio's own; each row carries its publisher and retrieval date.

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

How lenders reach Port Washington

At roughly 1,000 people per square mile, Port Washington is moderately settled; 106 larger places lie within 50 miles. Distance to a branch rarely matters for Port Washington's 545 residents: the application is online and the price follows your credit file. The nearest larger city, Newcomerstown, OH about 5 miles away.

What to do before borrowing in Port Washington

Before you apply in Port Washington, a community of about 545, work through these steps:

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Get several pre-qualifications and compare APR side by side before choosing.
Check the Ohio regulator's records to confirm the lender is licensed here.
Make sure the new payment leaves room in a budget you already keep.
Pick the shortest term whose payment you can comfortably afford.
Keep the amount to the expense; an approval is not a reason to take more.

The process is identical across Ohio; what changes is your credit file, not the fact that Port Washington holds 545 people.

Port Washington on the map

The Census Gazetteer records 0.5 square miles of land and 0.01 square miles of water within Port Washington. That land carries about 1,000 people per square mile. The state's population centre of gravity, Columbus, is roughly 81 miles away. Within 50 miles of Port Washington there are 106 larger Census places. The 100-mile radius contains 585 larger places.

What shapes a Port Washington personal loan

Port Washington is a small community of about 545 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Port Washington. Shortening the term on a Port Washington loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

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Common questions

What are my options in Port Washington if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Port Washington is the same as anywhere in Ohio.

What loan size can I expect in Port Washington?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Port Washington?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Port Washington cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Stone Creek, OH — population 144
Newcomerstown, OH — population 3,646
Gnadenhutten, OH — population 1,209
Tuscarawas, OH — population 1,024
New Philadelphia, OH — population 17,440
Midvale, OH — population 653
Uhrichsville, OH — population 5,155
Barnhill, OH — population 376