Personal loans in Stoutsville, OH

Stoutsville is a small community in Ohio, with an estimated 577 residents, and every licensed lender here follows the same state rulebook.

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.

For a community of about 577, the practical step is to compare APR across at least three lenders before committing. An estimated 577 people make their home in Stoutsville, a figure that ranks 634th in Ohio. Which products a lender may offer to Stoutsville's 577 residents follows from the Ohio consumer-lending framework. Census figures put the 2020-to-2023 decrease in Stoutsville at about 0.2%. Borrowers who want a bigger city can look to Amanda, OH about 5 miles away.

Borrowing in Stoutsville: the local picture

What follows is Stoutsville's place in the Census record, alongside the Ohio rules that govern a personal loan made here.

How lenders reach Stoutsville

At roughly 499 people per square mile, Stoutsville is lightly settled; 87 larger places lie within 50 miles. What is available to Stoutsville's 577 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest larger city, Amanda, OH about 5 miles away.

The geography behind Stoutsville

Stoutsville covers about 1.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 499 people per square mile. The state's population centre of gravity, Columbus, is roughly 28 miles away. Counting outward 50 miles, 87 larger communities surround Stoutsville. The 100-mile radius contains 373 larger places.

What shapes a Stoutsville personal loan

With roughly 577 residents, Stoutsville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Stoutsville can be quoted different APRs on the same amount and term. The term you choose in Stoutsville decides the split between a comfortable payment and the total interest you pay.

Stoutsville in state context

Among Ohio's 924 places, Stoutsville sits at 634th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Stoutsville stands 288th among Ohio's 924 places — roughly the 69th percentile. By density, at about 499 people per square mile, it ranks 808th in Ohio. The population moved by about 1 people between 2020 and 2023, a 0.2% shift.

Ohio consumer-lending rules applied in Stoutsville

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

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 Stoutsville 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 Stoutsville is the same as anywhere in Ohio.
What loan size can I expect in Stoutsville?
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 Stoutsville?
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 Stoutsville 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

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