Uniondale at a glance
- Population: about 276 residents, ranking 469th of 565 Census places in Indiana (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 272 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 1.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Indiana places: 469th of the state's 565 Census places (US Census Bureau).
- Size percentile: about 17% of Indiana's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 40.8301, -85.2389 in the US Census Bureau Gazetteer.
- Nearest larger cities: Ossian, IN (5 mi); Markle, IN (5 mi); Zanesville, IN (6 mi); Bluffton, IN (7 mi); Roanoke, IN (12 mi), each a US Census place with its estimated population.
- Nearest smaller places: Poneto, IN (12 mi); Vera Cruz, IN (12 mi); Mount Etna, IN (18 mi) (US Census Bureau estimates).
What a personal loan costs in Uniondale
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Indiana lending rules that apply in Uniondale
The sourced rows below are the rules a licensed lender must follow when lending in Indiana, and therefore in Uniondale.
| 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 Uniondale
A few practical steps will make the process in Uniondale less costly:
- 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.