Greenville at a glance
- Population: the Census estimates 12,696 residents, ranking 147th of 924 places in Ohio (Vintage 2023).
- 2020 Census base: 12,799 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down roughly 0.8% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Ohio places: 147th of 924 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 84% of the places in Ohio (US Census Bureau).
- Coordinates: latitude 40.1047, longitude -84.6214 (US Census Bureau Gazetteer).
- Nearest larger cities: Piqua, OH (20 mi); Troy, OH (22 mi); Clayton, OH (23 mi); Englewood, OH (23 mi); Richmond, IN (24 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Wayne Lakes, OH (6 mi); Gettysburg, OH (7 mi); Palestine, OH (8 mi) (US Census Bureau).
What a personal loan costs in Greenville
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Ohio lending rules that apply in Greenville
The sourced rows below are the rules a licensed lender must follow when lending in Ohio, and therefore in Greenville.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
How to compare offers in Greenville
A few practical steps will make the process in Greenville less costly:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Ohio using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.