Personal loans in St. Louisville, OH

A personal loan in St. Louisville is priced from your credit file and income, not from the fact that the city holds 363 people. St. Louisville ranks 728th of 924 places in Ohio, with a population near 363.

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

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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.

The next larger city is Utica, OH about 5 miles away. From the 2020 Census base to the 2023 estimate, the population rose by about 3.4%. Every figure below is Ohio's own, applied to St. Louisville's 363 residents, with the publisher and retrieval date attached. For a community of about 363, the practical step is to compare APR across at least three lenders before committing.

St. Louisville: the sourced local profile

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

Population: about 363, ranked 728th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
Population trend: Growth of about 3.4% across the 2020-to-2023 comparison.
Change in people: the 2020-to-2023 comparison is a gain of about 12 residents.
Size percentile: with 363 residents, St. Louisville is larger than about 21% of Ohio's Census places.
Population density: about 1,435 people per square mile (Census land area 0.3 sq mi).
Land area rank: St. Louisville's 0.3 square miles rank 813th of 924 places in Ohio.
State population share: St. Louisville accounts for about 0.0% of everyone in Ohio.
National rank: St. Louisville is the 14,487th most populous of the 19,457 Census places covered here.
Growth rank: St. Louisville ranks 52nd among Ohio's 924 places for the 2020-to-2023 change.
Versus Ohio: the state average change is +0.9%, while St. Louisville moved 3.4%.
Density rank: St. Louisville is the 391st most densely settled place in Ohio.
Density vs Ohio: St. Louisville's 1,435 people per square mile compare with a state median of 1,289.
Location: the Census Gazetteer records it at 40.1711, -82.4181.
Nearest larger cities: Utica (5 mi); Newark (7 mi); Granville (9 mi); Hanover (10 mi); Heath (10 mi). For most borrowers the comparison happens online, not at a branch.
Smaller places close by: Martinsburg (8 mi); Gratiot (19 mi); Glenford (20 mi).
Within a 50-mile radius: 33 smaller Census places.
At 100 miles: 485 larger Census places fall inside that radius.

Lender access in St. Louisville

With about 1,435 residents per square mile, St. Louisville is moderately settled, and 118 larger Census places sit within 50 miles. A Ohio licence lets a lender serve St. Louisville without a local office, so branch density does not change what its 363 residents are offered. The nearest larger city, Utica, OH about 5 miles away.

The geography behind St. Louisville

The Census Gazetteer records about 0.3 square miles of land within St. Louisville, with no significant water area listed. With 363 residents, the land area yields roughly 1,435 people per square mile. The state's population centre of gravity, Columbus, is roughly 33 miles away. Within 50 miles of St. Louisville there are 118 larger Census places. Within the same 50 miles lie 33 smaller Census places.

How a St. Louisville personal loan is priced

A St. Louisville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 363 residents. Two numbers drive a St. Louisville loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a St. Louisville loan is knowable in advance — unlike a revolving card balance.

What to do before borrowing in St. Louisville

Complete these steps first when you borrow in St. Louisville (363 residents):

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Test your amount and term in the personal loan calculator first.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Check the Ohio regulator's records to confirm the lender is licensed here.
Be clear on what the loan is for and how it gets repaid.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
Read the disclosure for an origination fee and any prepayment penalty before signing.

In St. Louisville as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 363 residents.

Ohio consumer-lending rules applied in St. Louisville

When Ohio does not publish a figure, the row links to the source instead of inventing a number; St. Louisville 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

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Common questions

What are my options in St. Louisville 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 St. Louisville is the same as anywhere in Ohio.

What loan size can I expect in St. Louisville?

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 St. Louisville?

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 St. Louisville 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.

Nearby places

Utica, OH — population 2,115
Newark, OH — population 51,046
Martinsburg, OH — population 221
Granville, OH — population 6,281
Heath, OH — population 10,693
Hanover, OH — population 1,317
Gambier, OH — population 2,330
Alexandria, OH — population 490