South Vienna at a glance
- Population: about 401, 709th by size in Ohio of 924 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 407 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 1.5% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Ohio places: 709th of 924 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 23% of Ohio places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.9293, -83.6139.
- Nearest larger cities: South Charleston, OH (7 mi); Springfield, OH (10 mi); London, OH (10 mi); Mechanicsburg, OH (10 mi); Urbana, OH (14 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Catawba, OH (5 mi); Mutual, OH (10 mi); Tremont City, OH (13 mi) (US Census Bureau estimates).
What a personal loan costs in South Vienna
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Ohio lending rules that apply in South Vienna
The sourced rows below are the rules a licensed lender must follow when lending in Ohio, and therefore in South Vienna.
| 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 |
| 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 |
How to compare offers in South Vienna
These steps are the ones that most affect the offer you receive in South Vienna:
- 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.