Hartsville at a glance
- Population: about 320, 457th by size in Indiana of 565 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 314 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up about 1.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Indiana places: 457th of 565 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 19% of Indiana's Census places are smaller (US Census Bureau).
- Coordinates: 39.2670 latitude, -85.6992 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Hope, IN (4 mi); Westport, IN (9 mi); Elizabethtown, IN (11 mi); St. Paul, IN (12 mi); Greensburg, IN (12 mi) (US Census Bureau).
- Nearest smaller places: Clifford, IN (9 mi); Millhousen, IN (15 mi); Jonesville, IN (18 mi) (US Census Bureau estimates).
What a personal loan costs in Hartsville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Indiana lending rules that apply in Hartsville
The table lists the Indiana rules that apply to a loan made in Hartsville, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hartsville
Run through this list before signing anything in Hartsville:
- 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.