North Judson at a glance
- Population: 1,813 (US Census Bureau, Vintage 2023 subcounty estimate), the 219th-largest of 565 places in Indiana.
- 2020 Census base: 1,863 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 2.7% below the 2020 Census base (US Census Bureau).
- Rank among Indiana places: 219th-largest of 565 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 61% of places in Indiana are smaller (US Census Bureau).
- Coordinates: 41.2161, -86.7770 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Knox, IN (10 mi); Winamac, IN (14 mi); Kouts, IN (15 mi); DeMotte, IN (22 mi); Walkerton, IN (23 mi) (US Census Bureau).
- Nearest smaller towns: La Crosse, IN (9 mi); Medaryville, IN (11 mi); Wheatfield, IN (14 mi) (US Census Bureau).
What a personal loan costs in North Judson
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Indiana lending rules that apply in North Judson
The Indiana rate caps and licensing rules that reach North Judson are listed below, each with its source and retrieval date.
| 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 North Judson
Run through this list before signing anything in North Judson:
- 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.