Personal loans in Lynn, IN
Personal loans in Lynn are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 943 population. From the 2020 Census base to the 2023 estimate, the population declined by about 1.4%.
By population, Lynn sits at 312th in Indiana, with an estimated 943 residents. Verify the lender's Indiana licence against the regulator named below before borrowing in Lynn. When Indiana caps or restricts a product, lenders either change the terms or withdraw it from Lynn as from the rest of the state. Borrowers who want a bigger city can look to Winchester, IN about 9 miles away.
What the Census records for Lynn
Most of what governs a Lynn loan is written in Indiana law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 943 residents, 312th of 565 places in Indiana (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 1.4% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 13 residents.
- Size percentile: Lynn's 943 people outrank roughly 45% of the places in Indiana.
- Population density: 1,669 people per square mile on 0.6 square miles of land.
- Land area rank: Lynn's 0.6 square miles rank 377th of 565 places in Indiana.
- Share of Indiana: Lynn holds about 0.0% of the state's population, some 943 people.
- National standing: Lynn ranks 10,480th of 19,457 US places.
- Growth rank: Lynn ranks 490th among Indiana's 565 places for the 2020-to-2023 change.
- State comparison: Indiana's places average +1.0% for 2020-to-2023, against Lynn's 1.4%.
- Density rank: Lynn is the 180th most densely settled place in Indiana.
- Density in context: Lynn's 1,669 people per square mile sit against a Indiana median of 1,375.
- Location: 40.0487, -84.9425 (US Census Bureau Gazetteer).
- Nearest larger cities: Winchester (9 mi); Union City (12 mi); Union City (13 mi); Farmland (14 mi); Hagerstown (15 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: Fountain City (7 mi); Hollansburg (9 mi); Economy (9 mi).
- Smaller neighbours: 90 places smaller than Lynn sit within 50 miles.
- At 100 miles: 370 larger Census places fall inside that radius.
What Indiana law requires in Lynn
For the roughly 943 residents of Lynn, 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 |
| 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 |
| Payday lending status | Permitted under license (small loans); finance charges capped at 15% of the first $250 (tiered above) Source says: "Finance charges on the first $250 of a small loan are limited to 15% of the principal". | Indiana Department of Financial Institutions as of 2026-09-16 |
Lynn in state context
Against Indiana's other places, Lynn accounts for about 0.0% of the state's population and ranks 312th of 565 by size. Its 2020-to-2023 change ranks 490th of 565 Indiana places, putting it near the 13th percentile for growth. At about 1,669 people per square mile, Lynn is the 180th most densely settled place in Indiana. In land area, Lynn ranks 377th among Indiana's 565 places.
Land, water and location for Lynn
Inside Lynn's boundaries lie about 0.6 square miles of land, with no significant water area recorded. Spread across it are roughly 1,669 residents per square mile. The state's population centre of gravity, Fort Wayne, is roughly 73 miles away. Within 50 miles of Lynn there are 100 larger Census places. The 100-mile radius contains 370 larger places.
What to do before borrowing in Lynn
Before you apply in Lynn, a community of about 943, work through these steps:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Check the Indiana regulator's records to confirm the lender is licensed here.
- Make sure the new payment leaves room in a budget you already keep.
- Weigh a shorter term's higher payment against the interest it saves.
- Borrow only what the purpose requires, not the maximum you are offered.
None of these steps is Lynn-specific: the same Indiana licensing and disclosure rules reach all 943 residents.
Borrowing reach in Lynn
Lynn is moderately settled, with about 1,669 people per square mile and 100 larger places within 50 miles. Whether Lynn has a local branch or not, a Indiana-licensed lender can serve its 943 people online on the same terms. The nearest bigger place is Winchester, IN about 9 miles away.
Common questions
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Nearby places
- Fountain City, IN — population 707
- Winchester, IN — population 4,778
- Whitewater, IN — population 68
- Hollansburg, OH — population 239
- Economy, IN — population 145
- Modoc, IN — population 160
- Greens Fork, IN — population 328
- Saratoga, IN — population 227