Linden at a glance
- Population: the Census estimates 725 residents, ranking 351st of 565 places in Indiana (Vintage 2023).
- 2020 Census base: 714 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 1.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Indiana places: 351st in population of 565 places (US Census Bureau).
- Size percentile: it exceeds roughly 38% of Indiana's Census places by population (US Census Bureau).
- Coordinates: latitude 40.1890, longitude -86.9023 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Crawfordsville, IN (10 mi); Waynetown, IN (11 mi); Shadeland, IN (11 mi); Dayton, IN (15 mi); Lafayette, IN (15 mi) (US Census Bureau populations).
- Nearest smaller places: New Richmond, IN (4 mi); Darlington, IN (9 mi); Wingate, IN (9 mi) (US Census Bureau estimates).
What a personal loan costs in Linden
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
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 Linden
Read the table as the compliance picture for a lender serving Linden: label, sourced figure, publisher and date.
| 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 Linden
A few practical steps will make the process in Linden 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.