Personal loans in Rutland, OH

Use the calculator on this page to price an amount and term before you commit in Rutland. Which products a lender may offer to Rutland's 416 residents follows from the Ohio consumer-lending framework. Census figures put the 2020-to-2023 decrease in Rutland at about 2.6%. The nearest larger city is Middleport, OH about 5 miles away.

Where Rutland stands

What follows is Rutland's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

• Population: about 416, ranked 696th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
• Population trend: A drop of about 2.6% from 2020 to 2023.
• Net change: roughly 11 fewer people than the 2020 Census counted.
• Size percentile: bigger than about 25% of the places in Ohio, with 416 residents in Rutland.
• Population density: about 476 people per square mile across 0.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Rutland covers 0.9 square miles, the 558th-largest area among Ohio's 924 places.
• State share: roughly 0.0% of Ohio's residents live in Rutland (416 people).
• National standing: Rutland ranks 13,932nd of 19,457 US places.
• Growth rank: Rutland ranks 827th among Ohio's 924 places for the 2020-to-2023 change.
• Versus Ohio: the state average change is +0.9%, while Rutland moved 2.6%.
• Density rank: Rutland is the 823rd most densely settled place in Ohio.
• Density in context: Rutland's 476 people per square mile sit against a Ohio median of 1,289.
• Location: it lies at 39.0413, -82.1286 in the Census Gazetteer.
• Nearest larger cities: Middleport (5 mi); Pomeroy (5 mi); Mason (5 mi); Hartford City (8 mi); Syracuse (9 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Cheshire (6 mi); Wilkesville (11 mi); Vinton (12 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 19 of them.
• At 100 miles: 266 larger Census places fall inside that radius.

How personal loans work in Rutland

In Rutland, a small community of about 416, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Rutland lender to disclose the APR and finance charge before you sign. Shortening the term on a Rutland loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The Ohio lending rules that reach Rutland

This table holds the Ohio rate and licensing rules for consumer loans made to Rutland's 416 residents.

Rutland against the rest of Ohio

Within Ohio, Rutland holds roughly 0.0% of all residents, the 696th-largest share among 924 places. On the 2020-to-2023 trend, Rutland stands 827th among Ohio's 924 places — roughly the 10th percentile. By density, at about 476 people per square mile, it ranks 823rd in Ohio. Within 50 miles sit 19 smaller Census places, alongside the 77 that are larger.

Rutland: area, density and distance

Inside Rutland's boundaries lie about 0.9 square miles of land, with no significant water area recorded. With 416 residents, the land area yields roughly 476 people per square mile. Columbus, the largest place in Ohio, is about 80 miles from Rutland. Within 50 miles of Rutland there are 77 larger Census places. The 100-mile radius contains 266 larger places.

The Rutland borrowing checklist

Complete these steps first when you borrow in Rutland (416 residents):

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Look the lender up in the Ohio regulator's licence records before you sign.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Make sure the new payment leaves room in a budget you already keep.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Rutland-specific: the same Ohio licensing and disclosure rules reach all 416 residents.