Personal loans in St. Marys, OH

The first question in St. Marys is not the rate on offer but whether the payment fits; about 8,377 people live here under Ohio lending law. To lend to St.

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

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Marys's 8,377 residents, a company must hold a Ohio licence, and each sourced row below names the regulator behind it. The Census counts 8,377 people in St. Marys, the 196th-largest figure among Ohio's 924 places. Use the calculator on this page to price an amount and term before you commit in St. Marys. Population in St. Marys dropped about 0.3% over the three years from 2020 to 2023. The closest larger place is Celina, OH about 9 miles away.

Local context for St. Marys

The figures below are St. Marys's own — Census population, land area and coordinates — followed by the Ohio rules.

Population: 8,377 people, a figure that places St. Marys 196th among the 924 Census places in Ohio (US Census Bureau, Vintage 2023).
Population trend: Roughly 0.3% fewer residents than the 2020 Census counted.
Change in people: the 2020-to-2023 comparison is a loss of about 29 residents.
Size percentile: with 8,377 residents, St. Marys is larger than about 79% of Ohio's Census places.
Density: roughly 1,793 residents per square mile, spread over 4.7 sq mi of land.
Land area rank: St. Marys's 4.7 square miles rank 218th of 924 places in Ohio.
Water area rank: St. Marys ranks 269th among Ohio's 924 places, with 0.03 sq mi.
State population share: St. Marys accounts for about 0.1% of everyone in Ohio.
National rank: St. Marys is 3,560th of 19,457 places nationwide.
Growth in Ohio: St. Marys stands 319th by percentage change from 2020 to 2023, among 924 places.
Versus Ohio: the state average change is +0.9%, while St. Marys moved 0.3%.
Density rank: St. Marys is the 255th most densely settled place in Ohio.
Density in context: St. Marys's 1,793 people per square mile sit against a Ohio median of 1,289.
Location: latitude 40.5476, longitude -84.3923 (Census Gazetteer).
Nearest larger cities: Celina (9 mi); Wapakoneta (11 mi); Lima (20 mi); Sidney (21 mi); Van Wert (24 mi). A branch is convenient; it is not what sets your APR.
Nearest smaller places: New Knoxville (5 mi); New Bremen (8 mi); Buckland (9 mi).
Within a 50-mile radius: 157 smaller Census places.
At 100 miles: 120 larger Census places fall inside that radius.

How personal loans work in St. Marys

With roughly 8,377 residents, St. Marys is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in St. Marys. Because the payment is fixed, the total cost of a St. Marys loan is knowable in advance — unlike a revolving card balance.

Where St. Marys sits in Ohio

Against Ohio's other places, St. Marys accounts for about 0.1% of the state's population and ranks 196th of 924 by size. Its 2020-to-2023 change ranks 319th of 924 Ohio places, putting it near the 65th percentile for growth. At about 1,793 people per square mile, St. Marys is the 255th most densely settled place in Ohio. The population moved by about 29 people between 2020 and 2023, a 0.3% shift.

Before you apply in St. Marys

These steps shape the offer you get in St. Marys, a place of about 8,377 people:

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Use the loan calculator to test the payment on your intended amount and term.
Get several pre-qualifications and compare APR side by side before choosing.
Confirm the Ohio licence with the regulator named above before committing.
Be clear on what the loan is for and how it gets repaid.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
Look for an origination fee or prepayment penalty in the written disclosure.

What differs between St. Marys and the rest of Ohio is not the process but the borrower's own file, among the 8,377 people here.

What Ohio law requires in St. Marys

The rows below set out what a licensed lender must follow in Ohio, and so for St. Marys's roughly 8,377 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

Where St. Marys sits

St. Marys covers about 4.7 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 1,793 people per square mile. Columbus, the largest place in Ohio, is about 84 miles from St. Marys. Counting outward 50 miles, 18 larger communities surround St. Marys. By land area it ranks 218th of 924 Ohio places.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in St. Marys?

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. Marys?

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. Marys 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

New Knoxville, OH — population 905
New Bremen, OH — population 2,978
Chickasaw, OH — population 350
Buckland, OH — population 229
Minster, OH — population 2,999
Spencerville, OH — population 2,164
Montezuma, OH — population 150
Celina, OH — population 10,885