Little York at a glance
- Population: the Census estimates 188 residents, ranking 511th of 565 places in Indiana (Vintage 2023).
- 2020 Census base: 189 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a loss of about 0.5% since the 2020 count (US Census Bureau).
- Rank among Indiana places: 511th by size among 565 communities (US Census Bureau).
- Size percentile: it exceeds roughly 10% of Indiana's Census places by population (US Census Bureau).
- Coordinates: it sits at 38.6993, -85.9046 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Austin, IN (6 mi); Scottsburg, IN (7 mi); Crothersville, IN (7 mi); Salem, IN (12 mi); Brownstown, IN (15 mi) (US Census Bureau populations).
- Nearest smaller communities: Saltillo, IN (21 mi); Livonia, IN (23 mi); Jonesville, IN (25 mi) (Census populations).
What a personal loan costs in Little York
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.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Little York
The sourced rows below are the rules a licensed lender must follow when lending in Indiana, and therefore in Little York.
| 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 Little York
A few practical steps will make the process in Little York 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.