Personal loans in Williamsport, OH
Two households in Williamsport with comparable incomes can still be offered different rates; the city's 1,012 residents are not the reason.
Every figure below is Ohio's own, applied to Williamsport's 1,012 residents, with the publisher and retrieval date attached. With 1,012 residents, Williamsport outranks about 44% of the communities in Ohio. Rate-shopping from Williamsport costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Population in Williamsport climbed about 4.1% over the three years from 2020 to 2023. For a bigger market, look to Circleville, OH about 10 miles away.
Williamsport: the sourced local profile
Read the local figures below as context; read the sourced Ohio table as the rulebook a lender here must follow.
- Population: the Census counts 1,012 residents in Williamsport (Vintage 2023 subcounty estimate), the 520th-largest figure among Ohio's 924 places.
- Population trend: About 4.1% above the 2020 Census base.
- Absolute change: 40 residents added between 2020 and 2023.
- Size percentile: Williamsport sits ahead of around 44% of Ohio places, at 1,012 people.
- Population density: 570 people per square mile on 1.8 square miles of land.
- Land area rank: Williamsport's 1.8 square miles rank 393rd of 924 places in Ohio.
- Water area: Williamsport has 0.03 square miles of water, ranking 276th of 924 places in Ohio.
- Share of Ohio: Williamsport holds about 0.0% of the state's population, some 1,012 people.
- National rank: Williamsport is 10,154th of 19,457 places nationwide.
- Growth rank: Williamsport's 2020-to-2023 change ranks 44th of 924 places in Ohio.
- Against the state trend: Williamsport's 4.1% change compares with a Ohio average of +0.9% across its 924 places.
- Density rank: Williamsport places 786th among Ohio's places by people per square mile.
- Density in context: Williamsport's 570 people per square mile sit against a Ohio median of 1,289.
- Location: latitude 39.5817, longitude -83.1205 (Census Gazetteer).
- Nearest larger cities: Circleville (10 mi); South Bloomfield (12 mi); Mount Sterling (12 mi); Frankfort (13 mi); Ashville (13 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Clarksburg (6 mi); New Holland (8 mi); Darbyville (8 mi).
- Smaller neighbours: 60 places smaller than Williamsport sit within 50 miles.
- Larger places within 100 miles: 318.
Borrowing reach in Williamsport
At roughly 570 people per square mile, Williamsport is moderately settled; 77 larger places lie within 50 miles. Whether Williamsport has a local branch or not, a Ohio-licensed lender can serve its 1,012 people online on the same terms. The nearest larger city, Circleville, OH about 10 miles away.
What Ohio law requires in Williamsport
Ohio has no separate rate rule for Williamsport; the sourced rows below are what reach every lender that serves its 1,012 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 |
| 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 |
Williamsport: area, density and distance
Inside Williamsport's boundaries lie roughly 1.8 square miles of land and 0.03 square miles of water. That land carries about 570 people per square mile. Columbus, the largest place in Ohio, is about 29 miles from Williamsport. Counting outward 50 miles, 77 larger communities surround Williamsport. By land area it ranks 393rd of 924 Ohio places.
Williamsport's place among Ohio's 924 places
Among Ohio's 924 places, Williamsport sits at 520th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 44th of 924 Ohio places, putting it near the 95th percentile for growth. At about 570 people per square mile, Williamsport is the 786th most densely settled place in Ohio. Within 50 miles sit 60 smaller Census places, alongside the 77 that are larger.
A practical checklist for Williamsport borrowers
Before you apply in Williamsport, a community of about 1,012, work through these steps:
- Start with the credit file: order the reports, fix the errors, then apply.
- 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.
- Check the Ohio regulator's records to confirm the lender is licensed here.
- 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.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
The process is identical across Ohio; what changes is your credit file, not the fact that Williamsport holds 1,012 people.
Common questions
What are my options in Williamsport if my credit is poor?
What loan size can I expect in Williamsport?
Do I have to pledge anything to borrow in Williamsport?
Does comparing loans in Williamsport cost me credit score points?
Nearby places
- Clarksburg, OH — population 403
- Darbyville, OH — population 189
- New Holland, OH — population 830
- South Bloomfield, OH — population 2,660
- Frankfort, OH — population 1,107
- Circleville, OH — population 14,452
- Mount Sterling, OH — population 2,030
- Ashville, OH — population 4,760