Haubstadt at a glance
- Population: a Census-estimated 1,622, placing it 234th among Indiana's 565 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,633 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 0.7% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Indiana places: 234th largest of 565 (US Census Bureau).
- Size percentile: larger than about 59% of the Census places in Indiana (US Census Bureau).
- Coordinates: 38.2032, -87.5747 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Fort Branch, IN (3 mi); Princeton, IN (10 mi); Evansville, IN (15 mi); Oakland City, IN (15 mi); Chandler, IN (16 mi); US Census Bureau population estimates.
- Smaller places close by: Cynthiana, IN (7 mi); Elberfeld, IN (7 mi); Darmstadt, IN (8 mi) (US Census Bureau).
What a personal loan costs in Haubstadt
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Indiana lending rules that apply in Haubstadt
The table carries the Indiana rate and licensing rules that apply to consumer loans made in Haubstadt.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Haubstadt
Run through this list before signing anything in Haubstadt:
- 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.