Personal loans in Stow, OH
Stow is one of 924 Census places in Ohio; its 33,957 residents put it at 45th. Stow counts about 33,957 people, and what is genuinely local about borrowing here is limited — Ohio law does the governing.
Stow shed about 1.5% of its population between the 2020 base and the 2023 estimate. Use the calculator on this page to price an amount and term before you commit in Stow. Lenders active in Stow report to a Ohio supervisor, identified in the sourced rows below. The nearest larger metro is Cuyahoga Falls, OH about 6 miles away.
The Stow data picture
Two layers matter for a Stow borrower: the local population picture and Ohio's consumer-lending statutes.
- Population: 33,957 — Stow ranks 45th of 924 communities in Ohio (US Census Bureau, Vintage 2023).
- Population trend: Down about 1.5% from the 2020 Census base to the 2023 estimate.
- Absolute change: 534 residents lost between 2020 and 2023.
- Size percentile: roughly 95% of Ohio places rank below Stow.
- Population density: 1,987 people per square mile on 17.1 square miles of land.
- Land area: Stow covers 17.1 square miles, the 51st-largest area among Ohio's 924 places.
- Water: Stow holds about 0.22 square miles, the 59th-largest water area in Ohio.
- Share of state population: Stow's 33,957 residents are about 0.4% of Ohio.
- National rank: Stow is 1,179th of 19,457 places nationwide.
- Growth in Ohio: Stow stands 627th by percentage change from 2020 to 2023, among 924 places.
- Versus Ohio: the state average change is +0.9%, while Stow moved 1.5%.
- Density in Ohio: Stow ranks 211th by people per square mile.
- Density in context: Stow's 1,987 people per square mile sit against a Ohio median of 1,289.
- Location: 41.1763, -81.4365 (US Census Bureau Gazetteer).
- Nearest larger cities: Cuyahoga Falls (6 mi); Akron (8 mi); Brunswick (20 mi); Parma (21 mi); Strongsville (23 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Silver Lake (2 mi); Munroe Falls (3 mi); Kent (4 mi).
- Within a 50-mile radius: 206 smaller Census places.
- Larger places within 100 miles: 22.
Ohio consumer-lending rules applied in Stow
Ohio has no separate rate rule for Stow; the sourced rows below are what reach every lender that serves its 33,957 people.
| 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 |
A pre-application checklist for Stow
These steps shape the offer you get in Stow, a place of about 33,957 people:
- Pull your credit reports first and correct any error before a lender sees the file.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Make sure the lender appears in the Ohio regulator's licence list.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Decide the purpose and how you will repay it before approaching any lender.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
In Stow as elsewhere in Ohio, the written terms — not the advertisement — are what count for its 33,957 residents.
Lender access in Stow
With about 1,987 residents per square mile, Stow is moderately settled, and 17 larger Census places sit within 50 miles. Whether Stow has a local branch or not, a Ohio-licensed lender can serve its 33,957 people online on the same terms. The nearest bigger place is Cuyahoga Falls, OH about 6 miles away.
How Stow compares across Ohio
Within Ohio, Stow holds roughly 0.4% of all residents, the 45th-largest share among 924 places. For population change between 2020 and 2023, Stow ranks 627th of 924 in Ohio (about the 32th percentile). At about 1,987 people per square mile, Stow is the 211th most densely settled place in Ohio. By land area, its 17.1 square miles rank 51st of 924 places in Ohio.
Land, water and location for Stow
Stow's land area is about 17.1 square miles; a further 0.22 square miles is water. That land carries about 1,987 people per square mile. For the state's biggest city, Columbus, the distance is roughly 116 miles. Within 50 miles of Stow there are 17 larger Census places. By land area it ranks 51st of 924 Ohio places.
Common questions
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Nearby places
- Silver Lake, OH — population 2,498
- Munroe Falls, OH — population 4,966
- Hudson, OH — population 22,968
- Tallmadge, OH — population 18,317
- Kent, OH — population 27,601
- Sugar Bush Knolls, OH — population 217
- Boston Heights, OH — population 1,395
- Streetsboro, OH — population 17,796