Personal loans in Highland, IN
By population, Highland sits at 43rd in Indiana, with an estimated 23,525 residents. Population in Highland dropped about 1.9% over the three years from 2020 to 2023. Highland, Indiana — home to about 23,525 people — is a smaller city, so the terms you are offered follow Indiana law rather than any local rule. To lend to Highland's 23,525 residents, a company must hold a Indiana licence, and each sourced row below names the regulator behind it. Read the disclosure for an origination fee and any prepayment penalty before signing in Highland. For a bigger market, look to Munster, IN about 2 miles away.
Highland: the sourced local profile
Here is the sourced Census picture for Highland, plus the Indiana lending rules that apply to a loan taken out here.
- Population: about 23,525, ranked 43rd of 565 places in Indiana (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 1.9% from 2020 to 2023.
- People gained or lost: about 456 fewer since the 2020 base.
- Size percentile: with 23,525 residents, Highland is larger than about 92% of Indiana's Census places.
- Density: roughly 3,397 residents per square mile, spread over 6.9 sq mi of land.
- By land area: Highland ranks 85th among Indiana's 565 places, at 6.9 sq mi.
- Water: Highland holds about 0.04 square miles, the 116th-largest water area in Indiana.
- Within Indiana: about 0.6% of the state's population lives in Highland.
- National rank: Highland is 1,661st of 19,457 places nationwide.
- Growth in Indiana: Highland stands 532nd by percentage change from 2020 to 2023, among 565 places.
- Versus Indiana: the state average change is +1.0%, while Highland moved 1.9%.
- Density rank: Highland places 3rd among Indiana's places by people per square mile.
- Density vs Indiana: Highland's 3,397 people per square mile compare with a state median of 1,375.
- Location: coordinates 41.5466, -87.4576 (US Census Bureau Gazetteer).
- Nearest larger cities: Munster (2 mi); Schererville (4 mi); Lansing (5 mi); Hammond (5 mi); Calumet City (5 mi). Lenders licensed in the state serve Highland whether or not they keep a local branch.
- Smaller places close by: Griffith (2 mi); Dyer (4 mi); Lynwood (5 mi).
- Smaller places within 50 miles: 199 of them.
- Within 100 miles: 103 places are larger than Highland.
Steps to take before a Highland loan
Before you hand your details to a lender in Highland, where the population is near 23,525:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a Indiana licence by checking the regulator named above.
- Test the payment against your current bills before you commit.
- Pick the shortest term whose payment you can comfortably afford.
- Borrow only what the purpose requires, not the maximum you are offered.
None of these steps is Highland-specific: the same Indiana licensing and disclosure rules reach all 23,525 residents.
How personal loans work in Highland
A Highland personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 23,525 residents. Federal Truth in Lending rules require a Highland lender to disclose the APR and finance charge before you sign. The term you choose in Highland decides the split between a comfortable payment and the total interest you pay.
The geography behind Highland
Highland covers about 6.9 square miles of land, with 0.04 square miles of water inside its boundaries (Census Gazetteer). With 23,525 residents, the land area yields roughly 3,397 people per square mile. The largest place in Indiana, Fort Wayne, lies about 124 miles away. Highland has 66 larger places within a 50-mile radius. Within the same 50 miles lie 199 smaller Census places.
The state rulebook for Highland
For the roughly 23,525 residents of Highland, the rules below are Indiana's own; each row carries its publisher and retrieval date.
| 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 |
Where Highland sits in Indiana
Among Indiana's 565 places, Highland sits at 43rd for population, a share of roughly 0.6% of the state. For population change between 2020 and 2023, Highland ranks 532nd of 565 in Indiana (about the 6th percentile). Its roughly 3,397 residents per square mile place it 3rd among Indiana's places. Within 50 miles sit 199 smaller Census places, alongside the 66 that are larger.
Common questions
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Nearby places
- Griffith, IN — population 16,222
- Munster, IN — population 23,614
- Schererville, IN — population 29,657
- Dyer, IN — population 16,333
- Hammond, IN — population 76,193
- Lansing, IL — population 27,713
- Calumet City, IL — population 34,358
- Lynwood, IL — population 9,025