Personal loans in Tiltonsville, OH

Tiltonsville ranks 488th of 924 places in Ohio, with a population near 1,225. The trend for Tiltonsville between 2020 and 2023 is downward by roughly 2.7%.

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

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Two households in Tiltonsville with comparable incomes can still be offered different rates; the city's 1,225 residents are not the reason. State law, not city hall, decides what a lender may do to Tiltonsville's roughly 1,225 residents, and a state regulator supervises it. Use the calculator on this page to price an amount and term before you commit in Tiltonsville. The closest larger place is Martins Ferry, OH about 5 miles away.

Tiltonsville: the sourced local profile

Set out below is Tiltonsville's local context next to the state-level rules that reach every lender here.

Population: 1,225 residents; Tiltonsville is the 488th-largest of 924 places in Ohio (US Census Bureau, Vintage 2023).
Population trend: A decline of about 2.7% across the 2020-to-2023 comparison.
Net change: roughly 34 fewer people than the 2020 Census counted.
Size percentile: Tiltonsville's 1,225 people outrank roughly 47% of the places in Ohio.
Population density: 2,338 people per square mile on 0.5 square miles of land.
Land area rank: Tiltonsville's 0.5 square miles rank 679th of 924 places in Ohio.
Water area: Tiltonsville has 0.03 square miles of water, ranking 265th of 924 places in Ohio.
State share: roughly 0.0% of Ohio's residents live in Tiltonsville (1,225 people).
National rank: Tiltonsville is 9,459th of 19,457 places nationwide.
Growth rank: Tiltonsville ranks 846th among Ohio's 924 places for the 2020-to-2023 change.
Versus Ohio: the state average change is +0.9%, while Tiltonsville moved 2.7%.
Density rank: Tiltonsville is the 140th most densely settled place in Ohio.
Density in context: Tiltonsville's 2,338 people per square mile sit against a Ohio median of 1,289.
Location: it lies at 40.1724, -80.6976 in the Census Gazetteer.
Nearest larger cities: Martins Ferry (5 mi); West Liberty (5 mi); Wheeling (7 mi); Bridgeport (8 mi); Bethlehem (9 mi). Lenders licensed in the state serve Tiltonsville whether or not they keep a local branch.
Smaller towns nearby: Rayland (1 mi); Yorkville (1 mi); Windsor Heights (2 mi).
Smaller places within 50 miles: 145 of them.
Within 100 miles: 366 places are larger than Tiltonsville.

Land, water and location for Tiltonsville

The Census Gazetteer records 0.5 square miles of land and 0.03 square miles of water within Tiltonsville. With 1,225 residents, the land area yields roughly 2,338 people per square mile. The state's population centre of gravity, Columbus, is roughly 122 miles away. Tiltonsville has 138 larger places within a 50-mile radius. The 100-mile radius contains 366 larger places.

What is available to Tiltonsville borrowers

Tiltonsville is a fairly dense community of about 1,225 people, with 138 larger places inside a 50-mile radius. Whether Tiltonsville has a local branch or not, a Ohio-licensed lender can serve its 1,225 people online on the same terms. The nearest larger city, Martins Ferry, OH about 5 miles away.

Which Ohio laws govern a loan in Tiltonsville

The rows below set out what a licensed lender must follow in Ohio, and so for Tiltonsville's roughly 1,225 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
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
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

The anatomy of a Tiltonsville personal loan

Tiltonsville is a small community of about 1,225 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Tiltonsville. Because the payment is fixed, the total cost of a Tiltonsville loan is knowable in advance — unlike a revolving card balance.

A pre-application checklist for Tiltonsville

Before you apply in Tiltonsville, a community of about 1,225, work through these steps:

Get your credit reports, dispute what is wrong, and only then start shopping.
Use the loan calculator to test the payment on your intended amount and term.
Line up several pre-qualified offers and let the APR decide.
Look the lender up in the Ohio regulator's licence records before you sign.
Check the disclosure for fees that raise the true cost above the quoted rate.
Check that the monthly payment fits your budget next to your existing obligations.
Weigh a shorter term's higher payment against the interest it saves.

What differs between Tiltonsville and the rest of Ohio is not the process but the borrower's own file, among the 1,225 people here.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Tiltonsville?

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 Tiltonsville?

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 Tiltonsville 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

Rayland, OH — population 383
Yorkville, OH — population 942
Clearview, WV — population 459
Windsor Heights, WV — population 339
Beech Bottom, WV — population 524
Martins Ferry, OH — population 6,076
Dillonvale, OH — population 599
Wheeling, WV — population 26,208