Personal loans in Hamilton, IN
State law, not city hall, decides what a lender may do to Hamilton's roughly 1,554 residents, and a state regulator supervises it. In Hamilton, one of 565 Census places in Indiana, the figure to compare across lenders is the APR, not the advertised rate. With an estimated 1,554 residents, Hamilton is the 241st-largest of 565 places in Indiana. Hamilton gained roughly 1.8% in population across the 2020-to-2023 comparison. Verify the lender's Indiana licence against the regulator named below before borrowing in Hamilton. Borrowers who want a bigger city can look to Butler, IN about 8 miles away.
The Hamilton data picture
Two layers matter for a Hamilton borrower: the local population picture and Indiana's consumer-lending statutes.
- Population: an estimated 1,554 residents, 241st of 565 places in Indiana (Census Vintage 2023 subcounty estimate).
- Population trend: Higher by roughly 1.8% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a gain of about 27 residents.
- Size percentile: about 57% of Indiana's Census places are smaller than Hamilton.
- Population density: about 740 people per square mile (Census land area 2.1 sq mi).
- By land area: Hamilton ranks 175th among Indiana's 565 places, at 2.1 sq mi.
- Water area rank: Hamilton ranks 14th among Indiana's 565 places, with 0.95 sq mi.
- Share of Indiana: Hamilton holds about 0.0% of the state's population, some 1,554 people.
- Nationally: Hamilton is the 8,572nd-largest of 19,457 Census places in the dataset.
- Growth rank: Hamilton ranks 116th among Indiana's 565 places for the 2020-to-2023 change.
- State comparison: Indiana's places average +1.0% for 2020-to-2023, against Hamilton's 1.8%.
- Density in Indiana: Hamilton ranks 473rd by people per square mile.
- Density vs Indiana: Hamilton's 740 people per square mile compare with a state median of 1,375.
- Location: 41.5402, -84.9198 (Census Gazetteer coordinates).
- Nearest larger cities: Butler (8 mi); Angola (8 mi); Waterloo (10 mi); Edgerton (11 mi); Fremont (13 mi). Larger metros often have more branches, but online lenders reach Hamilton on the same terms.
- Nearest smaller towns: Ashley (7 mi); Edon (8 mi); Hudson (9 mi) — useful context for the surrounding area.
- Smaller neighbours: 68 places smaller than Hamilton sit within 50 miles.
- Larger places within 100 miles: 236.
The geography behind Hamilton
Hamilton covers about 2.1 square miles of land, with 0.95 square miles of water inside its boundaries (Census Gazetteer). That land carries about 740 people per square mile. The state's population centre of gravity, Fort Wayne, is roughly 33 miles away. Hamilton has 54 larger places within a 50-mile radius. The 100-mile radius contains 236 larger places.
What is available to Hamilton borrowers
At roughly 740 people per square mile, Hamilton is moderately settled; 54 larger places lie within 50 miles. Distance to a branch rarely matters for Hamilton's 1,554 residents: the application is online and the price follows your credit file. The nearest larger city, Butler, IN about 8 miles away.
Hamilton's place among Indiana's 565 places
Within Indiana, Hamilton holds roughly 0.0% of all residents, the 241st-largest share among 565 places. For population change between 2020 and 2023, Hamilton ranks 116th of 565 in Indiana (about the 79th percentile). Its roughly 740 residents per square mile place it 473rd among Indiana's places. By land area, its 2.1 square miles rank 175th of 565 places in Indiana.
What Indiana law requires in Hamilton
The rows below set out what a licensed lender must follow in Indiana, and so for Hamilton's roughly 1,554 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Indiana 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 / installment lender licensing | Small Loan License required (IUCCC; separate Consumer Loan License for IC 24-4.5-3 loans) Source says: "unless a person is a supervised financial organization or has first obtained a small loan license from the Department of Financial Institutions (DFI)". | 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 |
How a Hamilton personal loan is priced
A Hamilton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,554 residents. Two numbers drive a Hamilton loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Hamilton loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Does comparing loans in Hamilton cost me credit score points?
Nearby places
- Butler, IN — population 2,679
- Angola, IN — population 9,456
- Ashley, IN — population 1,043
- Edon, OH — population 786
- Hudson, IN — population 591
- Waterloo, IN — population 2,157
- Fremont, IN — population 2,063
- Blakeslee, OH — population 103