Huber Heights at a glance
- Population: the Census estimates 43,313 residents, ranking 28th of 924 places in Ohio (Vintage 2023).
- 2020 Census base: 43,431 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 0.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Ohio places: the 28th-largest of 924 (US Census Bureau, 2023 estimate).
- Size percentile: about 97% of places in Ohio are smaller (US Census Bureau).
- Coordinates: mapped at 39.8589, -84.1129 by the US Census Bureau Gazetteer.
- Nearest larger cities: Dayton, OH (7 mi); Beavercreek, OH (9 mi); Kettering, OH (11 mi); Springfield, OH (18 mi); Middletown, OH (28 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Vandalia, OH (4 mi); Riverside, OH (5 mi); Fairborn, OH (7 mi), each a US Census place.
What a personal loan costs in Huber Heights
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Ohio lending rules that apply in Huber Heights
The Ohio rate caps and licensing rules that reach Huber Heights are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 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 |
How to compare offers in Huber Heights
These steps are the ones that most affect the offer you receive in Huber Heights:
- 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.