Personal loans in Shadyside, OH
Consumer lending that reaches Shadyside's 3,365 residents is governed by Ohio statute; no city ordinance changes it.
Two households in Shadyside with comparable incomes can still be offered different rates; the city's 3,365 residents are not the reason. The Census counts 3,365 people in Shadyside, the 314th-largest figure among Ohio's 924 places. A 2020-to-2023 comparison shows Shadyside down by about 2.5%. Verify the lender's Ohio licence against the regulator named below before borrowing in Shadyside. For a bigger market, look to Bellaire, OH about 3 miles away.
Where Shadyside stands
Most of what governs a Shadyside loan is written in Ohio law rather than in the city; the sourced notes below make that split concrete.
- Population: the Census counts 3,365 residents in Shadyside (Vintage 2023 subcounty estimate), the 314th-largest figure among Ohio's 924 places.
- Population trend: The 2020-to-2023 change is negative, near 2.5%.
- Change in people: the 2020-to-2023 comparison is a loss of about 87 residents.
- Size percentile: roughly 66% of Ohio places rank below Shadyside.
- Population density: about 3,332 people per square mile (Census land area 1.0 sq mi).
- By land area: Shadyside ranks 518th among Ohio's 924 places, at 1.0 sq mi.
- Water area: Shadyside has 0.02 square miles of water, ranking 320th of 924 places in Ohio.
- Within Ohio: about 0.0% of the state's population lives in Shadyside.
- National standing: Shadyside ranks 5,936th of 19,457 US places.
- Growth in Ohio: Shadyside stands 814th by percentage change from 2020 to 2023, among 924 places.
- Versus Ohio: the state average change is +0.9%, while Shadyside moved 2.5%.
- Density in Ohio: Shadyside ranks 47th by people per square mile.
- Density in context: Shadyside's 3,332 people per square mile sit against a Ohio median of 1,289.
- Location: 39.9719, -80.7510 (Census Gazetteer coordinates).
- Nearest larger cities: Bellaire (3 mi); Moundsville (3 mi); Wheeling (8 mi); Martins Ferry (9 mi); St. Clairsville (11 mi). Lenders licensed in the state serve Shadyside whether or not they keep a local branch.
- Smaller places close by: McMechen (1 mi); Glen Dale (2 mi); Benwood (3 mi).
- Smaller neighbours: 173 places smaller than Shadyside sit within 50 miles.
- Within 100 miles: 173 places are larger than Shadyside.
The geography behind Shadyside
Shadyside's land area is about 1.0 square miles; a further 0.02 square miles is water. Spread across it are roughly 3,332 residents per square mile. The largest place in Ohio, Columbus, lies about 118 miles away. Shadyside has 41 larger places within a 50-mile radius. The 100-mile radius contains 173 larger places.
Which Ohio laws govern a loan in Shadyside
The rows below set out what a licensed lender must follow in Ohio, and so for Shadyside's roughly 3,365 residents.
| 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 |
| 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 |
| 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 |
How Shadyside compares across Ohio
Within Ohio, Shadyside holds roughly 0.0% of all residents, the 314th-largest share among 924 places. Its 2020-to-2023 change ranks 814th of 924 Ohio places, putting it near the 12th percentile for growth. By density, at about 3,332 people per square mile, it ranks 47th in Ohio. The population moved by about 87 people between 2020 and 2023, a 2.5% shift.
Inside a Shadyside personal loan
Most loans made to Shadyside's 3,365 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Shadyside. Shortening the term on a Shadyside loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Borrowing reach in Shadyside
Shadyside is a fairly dense community of about 3,365 people, with 41 larger places inside a 50-mile radius. What is available to Shadyside's 3,365 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest larger city, Bellaire, OH about 3 miles away.
Common questions
What are my options in Shadyside if my credit is poor?
What loan size can I expect in Shadyside?
Do I have to pledge anything to borrow in Shadyside?
Does comparing loans in Shadyside cost me credit score points?
Nearby places
- McMechen, WV — population 1,613
- Glen Dale, WV — population 1,425
- Benwood, WV — population 1,191
- Bellaire, OH — population 3,763
- Moundsville, WV — population 7,724
- Bridgeport, OH — population 1,534
- Brookside, OH — population 524
- Bethlehem, WV — population 2,553