Personal loans in Gentryville, IN

Personal loans in Gentryville are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 254 population. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Gentryville's 254 residents. An estimated 254 people make their home in Gentryville, a figure that ranks 481st in Indiana. If debt is already a strain, a nonprofit credit counsellor can help Gentryville residents before they take on more. The trend for Gentryville between 2020 and 2023 is upward by roughly 4.1%. The nearest larger metro is Santa Claus, IN about 6 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Gentryville: the sourced local profile

Here is the sourced Census picture for Gentryville, plus the Indiana lending rules that apply to a loan taken out here.

The anatomy of a Gentryville personal loan

Gentryville is a small community of about 254 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Gentryville can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Gentryville loan is knowable in advance — unlike a revolving card balance.

Gentryville against the rest of Indiana

Within Indiana, Gentryville holds roughly 0.0% of all residents, the 481st-largest share among 565 places. On the 2020-to-2023 trend, Gentryville stands 43rd among Indiana's 565 places — roughly the 92th percentile. Its roughly 645 residents per square mile place it 497th among Indiana's places. In land area, Gentryville ranks 415th among Indiana's 565 places.

What is available to Gentryville borrowers

With about 645 residents per square mile, Gentryville is moderately settled, and 77 larger Census places sit within 50 miles. What is available to Gentryville's 254 borrowers is set by Indiana licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Santa Claus, IN about 6 miles away.

Gentryville: area, density and distance

Gentryville covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 645 residents per square mile. The largest place in Indiana, Fort Wayne, lies about 229 miles away. Gentryville has 77 larger places within a 50-mile radius. Within the same 50 miles lie 15 smaller Census places.

Which Indiana laws govern a loan in Gentryville

These are Indiana's sourced lending facts as they reach Gentryville's 254 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorIndiana Department of Financial Institutions (DFI), Consumer Credit Division
Source says: "The industries regulated by the Consumer Credit Division are: non-depository small loan ("payday") lenders; traditional installment lenders".
Indiana Department of Financial Institutions
as of 2026-09-16
Small-loan size limit$825 maximum aggregate small-loan principal per borrower
Source says: "Lenders cannot have loans ... outstanding with you at any one time if the aggregate principal amount/amount financed exceeds $825".
Indiana Department of Financial Institutions
as of 2026-09-16
Maximum legal interest rate (usury cap)See the latest published figure
value_text left null: Indiana Code IC 24-4.5-3-508 sets tiered maximum loan finance charges for supervised loans; the official code site renders client-side and the figure could not be confirmed from a fetched page, so no figure is asserted.
Indiana General Assembly (Indiana Code)
as of 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Gentryville if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Gentryville is the same as anywhere in Indiana.
What loan size can I expect in Gentryville?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Gentryville?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Gentryville cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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