Elizabethtown at a glance
- Population: 414 — 433rd in Indiana, which has 565 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 407 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 1.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Indiana places: the 433rd-largest of 565 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 23% of Indiana places in population terms (US Census Bureau).
- Coordinates: 39.1351, -85.8124 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Columbus, IN (8 mi); Hope, IN (12 mi); North Vernon, IN (13 mi); Westport, IN (13 mi); Seymour, IN (14 mi) (US Census Bureau populations).
- Nearest smaller communities: Jonesville, IN (7 mi); Clifford, IN (11 mi); Hartsville, IN (11 mi) (Census populations).
What a personal loan costs in Elizabethtown
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Elizabethtown
Each row below is a Indiana rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Elizabethtown
A few practical steps will make the process in Elizabethtown less costly:
- 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.