Personal loans in Stinesville, IN

Stinesville's population held flat through the 2020-to-2023 comparison. In Stinesville, one of 565 Census places in Indiana, the figure to compare across lenders is the APR, not the advertised rate. Stinesville is home to roughly 202 people and stands 507th by size out of 565 Census places in Indiana. The nearest larger city is Gosport, IN about 4 miles away. A lender that serves Stinesville operates under Indiana lending statutes and a Indiana supervisor. If debt is already a strain, a nonprofit credit counsellor can help Stinesville residents before they take on more.

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.

Where Stinesville stands

The figures below are Stinesville's own — Census population, land area and coordinates — followed by the Indiana rules.

Where Stinesville sits in Indiana

Set beside Indiana's 565 places, Stinesville ranks 507th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Stinesville stands 300th among Indiana's 565 places — roughly the 47th percentile. By density, at about 1,820 people per square mile, it ranks 131st in Indiana. By land area, its 0.1 square miles rank 540th of 565 places in Indiana.

Where Stinesville sits

The Census Gazetteer records about 0.1 square miles of land within Stinesville, with no significant water area listed. That land carries about 1,820 people per square mile. The state's population centre of gravity, Fort Wayne, is roughly 147 miles away. A 50-mile radius around Stinesville takes in 106 places that are larger. The 100-mile radius contains 493 larger places.

What is available to Stinesville borrowers

At roughly 1,820 people per square mile, Stinesville is moderately settled; 106 larger places lie within 50 miles. What is available to Stinesville's 202 borrowers is set by Indiana licensing and your own credit, not by how many branches are nearby. The nearest larger city, Gosport, IN about 4 miles away.

Steps to take before a Stinesville loan

These steps shape the offer you get in Stinesville, a place of about 202 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the Indiana licence with the regulator named above before committing.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Stinesville as elsewhere in Indiana, the written terms — not the advertisement — are what count for its 202 residents.

Which Indiana laws govern a loan in Stinesville

Indiana has no separate rate rule for Stinesville; the sourced rows below are what reach every lender that serves its 202 people.

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
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 statusPermitted 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

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 Stinesville 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 Stinesville is the same as anywhere in Indiana.
What loan size can I expect in Stinesville?
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 Stinesville?
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 Stinesville 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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