Personal loans in Warsaw, OH

Two households in Warsaw with comparable incomes can still be offered different rates; the city's 648 residents are not the reason. About 648 people live in Warsaw, placing it 616th of 924 Census places in Ohio. Census figures put the 2020-to-2023 increase in Warsaw at about 1.4%. Read the disclosure for an origination fee and any prepayment penalty before signing in Warsaw. The closest larger place is Coshocton, OH about 10 miles away.

Warsaw: population, trend and location

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

• Population: about 648, ranked 616th of 924 places in Ohio (Census Vintage 2023 subcounty estimate).
• Population trend: A rise of about 1.4% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 9 residents.
• Size percentile: roughly 33% of Ohio places rank below Warsaw.
• Population density: about 1,333 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Warsaw covers 0.5 square miles, the 691st-largest area among Ohio's 924 places.
• Water: Warsaw holds about 0.01 square miles, the 349th-largest water area in Ohio.
• Share of state population: Warsaw's 648 residents are about 0.0% of Ohio.
• Nationally: Warsaw is the 12,114th-largest of 19,457 Census places in the dataset.
• Growth rank: Warsaw ranks 114th among Ohio's 924 places for the 2020-to-2023 change.
• Versus Ohio: the state average change is +0.9%, while Warsaw moved 1.4%.
• Density rank: Warsaw is the 440th most densely settled place in Ohio.
• Against the state median: Warsaw runs about 1,333 residents per square mile, where the Ohio median is 1,289.
• Location: mapped by the US Census Bureau at 40.3356, -82.0010.
• Nearest larger cities: Coshocton (10 mi); Killbuck (11 mi); West Lafayette (14 mi); Dresden (15 mi); Millersburg (16 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller places: Nellie (4 mi); Conesville (12 mi); Glenmont (14 mi).
• Within a 50-mile radius: 63 smaller Census places.
• Larger places within 100 miles: 445.

The anatomy of a Warsaw personal loan

Warsaw is a small community of about 648 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Warsaw's 648 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Warsaw loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Warsaw sits

Warsaw's land area is about 0.5 square miles; a further 0.01 square miles is water. The resulting density is about 1,333 people per square mile. Columbus, the largest place in Ohio, is about 57 miles from Warsaw. Counting outward 50 miles, 98 larger communities surround Warsaw. The 100-mile radius contains 445 larger places.

Warsaw in state context

Warsaw is the 616th-largest of 924 Census places in Ohio and contains about 0.0% of the state's people. For population change between 2020 and 2023, Warsaw ranks 114th of 924 in Ohio (about the 88th percentile). Its roughly 1,333 residents per square mile place it 440th among Ohio's places. Within 50 miles sit 63 smaller Census places, alongside the 98 that are larger.

What Ohio law requires in Warsaw

Ohio has no separate rate rule for Warsaw; the sourced rows below are what reach every lender that serves its 648 people.

The Warsaw borrowing checklist

Before you apply in Warsaw, a community of about 648, work through these steps:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the Ohio licence with the regulator named above before committing.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Decide the purpose and how you will repay it before approaching any lender.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

None of these steps is Warsaw-specific: the same Ohio licensing and disclosure rules reach all 648 residents.