Dale at a glance
- Population: the Census estimates 1,522 residents, ranking 242nd of 565 places in Indiana (Vintage 2023).
- 2020 Census base: 1,543 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.4% lower than the 2020 Census base (US Census Bureau).
- Rank among Indiana places: 242nd out of 565 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 57% of Indiana's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.1849, -86.9704.
- Nearest larger cities: Santa Claus, IN (5 mi); Ferdinand, IN (7 mi); Huntingburg, IN (8 mi); Jasper, IN (14 mi); Lewisport, KY (18 mi), each a US Census place with its estimated population.
- Smaller places close by: Holland, IN (6 mi); Gentryville, IN (6 mi); Tennyson, IN (11 mi) (US Census Bureau).
What a personal loan costs in Dale
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Indiana lending rules that apply in Dale
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 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 to compare offers in Dale
Here is a short checklist for comparing personal loans in Dale:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Indiana using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.