Ogden Dunes at a glance
- Population: 1,173 residents, the 280th-largest of 565 places in Indiana (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,182 residents here (US Census Bureau).
- 2020 to 2023 change: about 0.8% lower than the 2020 Census base (US Census Bureau).
- Rank among Indiana places: the 280th-largest of 565 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 50% of the places in Indiana (US Census Bureau).
- Coordinates: mapped at 41.6287, -87.1925 by the US Census Bureau Gazetteer.
- Nearest larger cities: Portage, IN (3 mi); Burns Harbor, IN (4 mi); Lake Station, IN (5 mi); Porter, IN (6 mi); New Chicago, IN (6 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Dune Acres, IN (6 mi); Beverly Shores, IN (12 mi); Town of Pines, IN (13 mi) — US Census Bureau populations.
What a personal loan costs in Ogden Dunes
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Ogden Dunes
Read the table as the compliance picture for a lender serving Ogden Dunes: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ogden Dunes
The steps below are worth completing first when you borrow in Ogden Dunes:
- 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.