Venedocia at a glance
- Population: 136 people, the 870th-largest place among Ohio's 924 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 138 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 1.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Ohio places: 870th of the state's 924 Census places (US Census Bureau).
- Size percentile: roughly 6% of places in Ohio rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.7850, -84.4559.
- Nearest larger cities: Middle Point, OH (5 mi); Delphos, OH (8 mi); Spencerville, OH (8 mi); Mendon, OH (8 mi); Ohio City, OH (8 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Elgin, OH (3 mi); Broughton, OH (21 mi); Miller City, OH (28 mi), per US Census Bureau estimates.
What a personal loan costs in Venedocia
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Ohio lending rules that apply in Venedocia
The Ohio rate caps and licensing rules that reach Venedocia are listed below, each with its source and retrieval date.
| 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 Venedocia
The steps below are worth completing first when you borrow in Venedocia:
- 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.