Wanatah at a glance
- Population: 988 (US Census Bureau, Vintage 2023 subcounty estimate), the 301st-largest of 565 places in Indiana.
- 2020 Census base: 1,005 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.7% below the 2020 Census base (US Census Bureau).
- Rank among Indiana places: 301st by size among 565 communities (US Census Bureau).
- Size percentile: larger than about 47% of the Census places in Indiana (US Census Bureau).
- Coordinates: 41.4306 latitude, -86.8923 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Westville, IN (7 mi); Valparaiso, IN (9 mi); Kouts, IN (10 mi); Kingsford Heights, IN (11 mi); Chesterton, IN (14 mi) (US Census Bureau).
- Nearest smaller towns: La Crosse, IN (8 mi); Kingsbury, IN (12 mi); Hamlet, IN (16 mi) (US Census Bureau).
What a personal loan costs in Wanatah
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Indiana lending rules that apply in Wanatah
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Wanatah
Run through this list before signing anything in Wanatah:
- 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.