Personal loans in Shreve, OH
With an estimated 1,498 residents, Shreve is the 449th-largest of 924 places in Ohio. The first question in Shreve is not the rate on offer but whether the payment fits; about 1,498 people live here under Ohio lending law.
Population in Shreve dropped about 0.1% over the three years from 2020 to 2023. Decide the purpose of the loan and your repayment plan before sharing any details with a Shreve lender. When Ohio caps or restricts a product, lenders either change the terms or withdraw it from Shreve as from the rest of the state. Borrowers who want a bigger city can look to Millersburg, OH about 10 miles away.
Borrowing in Shreve: the local picture
What follows is Shreve's place in the Census record, alongside the Ohio rules that govern a personal loan made here.
- Population: about 1,498, ranked 449th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 0.1% fewer residents than the 2020 Census counted.
- Absolute change: 2 residents lost between 2020 and 2023.
- Size percentile: about 51% of Ohio's Census places are smaller than Shreve.
- Land and density: 0.9 square miles of land carry roughly 1,732 residents per square mile.
- Land area: Shreve covers 0.9 square miles, the 563rd-largest area among Ohio's 924 places.
- Share of state population: Shreve's 1,498 residents are about 0.0% of Ohio.
- National rank: Shreve is 8,691st of 19,457 places nationwide.
- Growth rank: Shreve's 2020-to-2023 change ranks 282nd of 924 places in Ohio.
- State comparison: Ohio's places average +0.9% for 2020-to-2023, against Shreve's 0.1%.
- Density in Ohio: Shreve ranks 274th by people per square mile.
- Against the state median: Shreve runs about 1,732 residents per square mile, where the Ohio median is 1,289.
- Location: 40.6813, -82.0218 (Census Gazetteer coordinates).
- Nearest larger cities: Millersburg (10 mi); Wooster (11 mi); Loudonville (12 mi); Orrville (17 mi); Dalton (19 mi). Larger metros often have more branches, but online lenders reach Shreve on the same terms.
- Nearest smaller towns: Holmesville (6 mi); Nashville (8 mi); Fredericksburg (8 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 80 smaller Census places.
- Larger places within 100 miles: 322.
Shreve in state context
Against Ohio's other places, Shreve accounts for about 0.0% of the state's population and ranks 449th of 924 by size. Its 2020-to-2023 change ranks 282nd of 924 Ohio places, putting it near the 69th percentile for growth. By density, at about 1,732 people per square mile, it ranks 274th in Ohio. Between 2020 and 2023 the count changed by roughly 2 residents.
Ohio rules behind a Shreve personal loan
When Ohio does not publish a figure, the row links to the source instead of inventing a number; Shreve is bound by the same rules.
| 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 |
How personal loans work in Shreve
In Shreve, a small community of about 1,498, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Shreve can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Shreve loan is knowable in advance — unlike a revolving card balance.
Borrowing reach in Shreve
With about 1,732 residents per square mile, Shreve is moderately settled, and 86 larger Census places sit within 50 miles. A Ohio licence lets a lender serve Shreve without a local office, so branch density does not change what its 1,498 residents are offered. The nearest larger city, Millersburg, OH about 10 miles away.
The geography behind Shreve
Shreve covers about 0.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,732 residents per square mile. The largest place in Ohio, Columbus, lies about 70 miles away. Counting outward 50 miles, 86 larger communities surround Shreve. By land area it ranks 563rd of 924 Ohio places.
Common questions
What are my options in Shreve if my credit is poor?
What loan size can I expect in Shreve?
Do I have to pledge anything to borrow in Shreve?
Does comparing loans in Shreve cost me credit score points?
Nearby places
- Holmesville, OH — population 373
- Nashville, OH — population 183
- Fredericksburg, OH — population 405
- Wooster, OH — population 27,030
- Millersburg, OH — population 3,186
- Glenmont, OH — population 238
- Killbuck, OH — population 804
- Apple Creek, OH — population 1,183