Williamsport at a glance
- Population: 1,965, the 211th-largest community in Indiana out of 565 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,944 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 1.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Indiana places: 211th largest of 565 (US Census Bureau).
- Size percentile: about 63% of places in Indiana are smaller (US Census Bureau).
- Coordinates: mapped at 40.2884, -87.2923 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Attica, IN (2 mi); Covington, IN (11 mi); Veedersburg, IN (12 mi); Danville, IL (20 mi); West Lafayette, IN (22 mi) (US Census Bureau).
- Smaller places close by: West Lebanon, IN (5 mi); Newtown, IN (10 mi); Pine Village, IN (11 mi) (US Census Bureau).
What a personal loan costs in Williamsport
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.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Williamsport
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Williamsport
The order below is a sensible way to approach a loan in Williamsport:
- 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.