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.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
State lending regulatorOhio 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 statusLegal 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 licensingConsumer 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Shreve 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 Shreve is the same as anywhere in Ohio.
What loan size can I expect in Shreve?
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 Shreve?
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 Shreve 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.

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