Dillsboro at a glance
- Population: the Census estimates 1,383 residents, ranking 256th of 565 places in Indiana (Vintage 2023).
- 2020 Census base: 1,364 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up about 1.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Indiana places: the 256th-largest of 565 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 55% of places in Indiana rank below it by population (US Census Bureau).
- Coordinates: 39.0184 latitude, -85.0528 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Milan, IN (8 mi); Aurora, IN (9 mi); Lawrenceburg, IN (11 mi); Versailles, IN (11 mi); Rising Sun, IN (12 mi) (US Census Bureau populations).
- Smaller towns nearby: Moores Hill, IN (7 mi); Sunman, IN (15 mi); Patriot, IN (17 mi) (US Census Bureau).
What a personal loan costs in Dillsboro
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Indiana lending rules that apply in Dillsboro
The table lists the Indiana rules that apply to a loan made in Dillsboro, each with the regulator that published it.
| 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 Dillsboro
Before you share your details with a lender in Dillsboro:
- 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.