Personal loans in Spring Valley, OH

Compare APR, not the interest rate, because the APR folds in most fees on a Spring Valley loan. A single loan can carry different costs on either side of a state line, and Spring Valley sits on the Ohio side of that line. Spring Valley added about 1.0% to its population between the 2020 base and the 2023 estimate. The closest larger place is Bellbrook, OH about 5 miles away.

Spring Valley: the sourced local profile

Spring Valley is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: 419 people, a figure that places Spring Valley 695th among the 924 Census places in Ohio (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 1.0% from 2020 to 2023.
• Net change: roughly 4 more people than the 2020 Census counted.
• Size percentile: bigger than about 25% of the places in Ohio, with 419 residents in Spring Valley.
• Density: roughly 1,575 residents per square mile, spread over 0.3 sq mi of land.
• Land area rank: Spring Valley's 0.3 square miles rank 803rd of 924 places in Ohio.
• Within Ohio: about 0.0% of the state's population lives in Spring Valley.
• National standing: Spring Valley ranks 13,905th of 19,457 US places.
• Growth rank: Spring Valley's 2020-to-2023 change ranks 148th of 924 places in Ohio.
• Against the state trend: Spring Valley's 1.0% change compares with a Ohio average of +0.9% across its 924 places.
• Density rank: Spring Valley is the 324th most densely settled place in Ohio.
• Density vs Ohio: Spring Valley's 1,575 people per square mile compare with a state median of 1,289.
• Location: mapped by the US Census Bureau at 39.6111, -84.0079.
• Nearest larger cities: Bellbrook (5 mi); Xenia (6 mi); Corwin (7 mi); Waynesville (7 mi); Centerville (8 mi). Online lenders reach Spring Valley no matter how far the nearest branch is.
• Smaller places close by: Port William (13 mi); Bowersville (15 mi); Clifton (16 mi).
• Smaller places within 50 miles: 50 of them.
• At 100 miles: 439 larger Census places fall inside that radius.

A pre-application checklist for Spring Valley

Before you apply in Spring Valley, a community of about 419, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Verify the lender's Ohio licence with the regulator listed on this page.
5. Weigh a shorter term's higher payment against the interest it saves.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Write down the purpose of the loan and your repayment plan before you apply.

In Spring Valley as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 419 residents.

Borrowing reach in Spring Valley

Spring Valley is moderately settled, with about 1,575 people per square mile and 174 larger places within 50 miles. Whether Spring Valley has a local branch or not, a Ohio-licensed lender can serve its 419 people online on the same terms. The nearest bigger place is Bellbrook, OH about 5 miles away.

Which Ohio laws govern a loan in Spring Valley

When Ohio does not publish a figure, the row links to the source instead of inventing a number; Spring Valley is bound by the same rules.

Spring Valley in state context

Among Ohio's 924 places, Spring Valley sits at 695th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Spring Valley ranks 148th of 924 in Ohio (about the 84th percentile). By density, at about 1,575 people per square mile, it ranks 324th in Ohio. Between 2020 and 2023 the count changed by roughly 4 residents.

Spring Valley on the map

Spring Valley covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 419 residents, the land area yields roughly 1,575 people per square mile. For the state's biggest city, Columbus, the distance is roughly 60 miles. Spring Valley has 174 larger places within a 50-mile radius. By land area it ranks 803rd of 924 Ohio places.