Maple Heights at a glance
- Population: the Census estimates 22,984 residents, ranking 72nd of 924 places in Ohio (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 23,687 (US Census Bureau).
- 2020 to 2023 change: down roughly 3.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Ohio places: 72nd of 924 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 92% of places in Ohio rank below it by population (US Census Bureau).
- Coordinates: it sits at 41.4090, -81.5629 in the US Census Bureau Gazetteer.
- Nearest larger cities: Garfield Heights, OH (2 mi); Shaker Heights, OH (5 mi); Solon, OH (7 mi); Cleveland Heights, OH (7 mi); Cleveland, OH (8 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Bedford, OH (2 mi); North Randall, OH (2 mi); Walton Hills, OH (3 mi) — US Census Bureau populations.
What a personal loan costs in Maple Heights
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Ohio lending rules that apply in Maple Heights
The sourced rows below are the rules a licensed lender must follow when lending in Ohio, and therefore in Maple Heights.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Maple Heights
The steps below are worth completing first when you borrow in Maple 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.