Chandler at a glance
- Population: a Census-estimated 3,883, placing it 140th among Indiana's 565 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 3,689 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 5.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Indiana places: 140th in population of 565 places (US Census Bureau).
- Size percentile: it exceeds roughly 75% of Indiana's Census places by population (US Census Bureau).
- Coordinates: 38.0373 latitude, -87.3741 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Boonville, IN (5 mi); Evansville, IN (9 mi); Henderson, KY (18 mi); Owensboro, KY (24 mi); Princeton, IN (25 mi) (US Census Bureau).
- Nearest smaller communities: Newburgh, IN (6 mi); Elberfeld, IN (9 mi); Lynnville, IN (12 mi) (Census populations).
What a personal loan costs in Chandler
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Indiana lending rules that apply in Chandler
Each row below is a Indiana rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Chandler
The order below is a sensible way to approach a loan in Chandler:
- 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.