Personal loans in Yorkville, OH

Yorkville is a small community of about 942 residents, and a personal loan taken out here is governed by Ohio statute. The Census counts 942 people in Yorkville, the 540th-largest figure among Ohio's 924 places.

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.

Pull your credit reports and line up at least three offers before you apply from Yorkville. From the 2020 Census base to the 2023 estimate, the population declined by about 2.7%. Every figure below is Ohio's own, applied to Yorkville's 942 residents, with the publisher and retrieval date attached. The closest larger place is Tiltonsville, OH about 1 miles away.

Where Yorkville stands

Only a few things actually differ by place — population, area, location, and the Ohio rules a lender must follow — and they are below.

Yorkville: area, density and distance

Inside Yorkville's boundaries lie about 0.6 square miles of land, with no significant water area recorded. The resulting density is about 1,591 people per square mile. The state's population centre of gravity, Columbus, is roughly 121 miles away. Counting outward 50 miles, 149 larger communities surround Yorkville. The 100-mile radius contains 413 larger places.

Yorkville's place among Ohio's 924 places

Set beside Ohio's 924 places, Yorkville ranks 540th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Yorkville ranks 844th of 924 in Ohio (about the 9th percentile). Its roughly 1,591 residents per square mile place it 319th among Ohio's places. Within 50 miles sit 125 smaller Census places, alongside the 149 that are larger.

Which Ohio laws govern a loan in Yorkville

Below are the Ohio rules that apply to a loan made in Yorkville, each with the regulator that issued it.

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
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
Payday lending statusLegal 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

What to do before borrowing in Yorkville

Before you hand your details to a lender in Yorkville, where the population is near 942:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the Ohio licence with the regulator named above before committing.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Yorkville-specific: the same Ohio licensing and disclosure rules reach all 942 residents.

Lender access in Yorkville

At roughly 1,591 people per square mile, Yorkville is moderately settled; 149 larger places lie within 50 miles. Distance to a branch rarely matters for Yorkville's 942 residents: the application is online and the price follows your credit file. The nearest bigger place is Tiltonsville, OH about 1 miles away.

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