Personal loans in Birdseye, IN
Birdseye, Indiana — home to about 410 people — is a small community, so the terms you are offered follow Indiana law rather than any local rule. Birdseye shed about 1.7% of its population between the 2020 base and the 2023 estimate.
The Census counts 410 people in Birdseye, the 437th-largest figure among Indiana's 565 places. For a community of about 410, the practical step is to compare APR across at least three lenders before committing. State law, not city hall, decides what a lender may do to Birdseye's roughly 410 residents, and a state regulator supervises it. For a bigger market, look to Ferdinand, IN about 11 miles away.
Birdseye: the sourced local profile
Here is the sourced Census picture for Birdseye, plus the Indiana lending rules that apply to a loan taken out here.
- Population: an estimated 410 residents, 437th of 565 places in Indiana (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 1.7% from 2020 to 2023.
- Absolute change: 7 residents lost between 2020 and 2023.
- Size percentile: roughly 23% of Indiana's places have fewer residents than Birdseye's 410.
- Population density: about 645 people per square mile across 0.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Birdseye's 0.6 square miles rank 350th of 565 places in Indiana.
- Share of state population: Birdseye's 410 residents are about 0.0% of Indiana.
- National rank: Birdseye is 13,996th of 19,457 places nationwide.
- Growth in Indiana: Birdseye stands 514th by percentage change from 2020 to 2023, among 565 places.
- State comparison: Indiana's places average +1.0% for 2020-to-2023, against Birdseye's 1.7%.
- Density rank: Birdseye is the 498th most densely settled place in Indiana.
- Density in context: Birdseye's 645 people per square mile sit against a Indiana median of 1,375.
- Location: it lies at 38.3127, -86.6985 in the Census Gazetteer.
- Nearest larger cities: Ferdinand (11 mi); English (13 mi); Jasper (14 mi); Huntingburg (14 mi); French Lick (17 mi). Online lenders reach Birdseye no matter how far the nearest branch is.
- Nearest smaller towns: Alton (20 mi); Leavenworth (20 mi); Alfordsville (22 mi) — useful context for the surrounding area.
- Smaller neighbours: 26 places smaller than Birdseye sit within 50 miles.
- Within 100 miles: 315 places are larger than Birdseye.
Birdseye's place among Indiana's 565 places
Among Indiana's 565 places, Birdseye sits at 437th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Birdseye stands 514th among Indiana's 565 places — roughly the 9th percentile. By density, at about 645 people per square mile, it ranks 498th in Indiana. The population moved by about 7 people between 2020 and 2023, a 1.7% shift.
Borrowing reach in Birdseye
Birdseye is a moderately settled community of about 410 people, with 68 larger places inside a 50-mile radius. Distance to a branch rarely matters for Birdseye's 410 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Ferdinand, IN about 11 miles away.
Land, water and location for Birdseye
Inside Birdseye's boundaries lie about 0.6 square miles of land, with no significant water area recorded. With 410 residents, the land area yields roughly 645 people per square mile. Fort Wayne, the largest place in Indiana, is about 209 miles from Birdseye. Birdseye has 68 larger places within a 50-mile radius. Within the same 50 miles lie 26 smaller Census places.
Before you apply in Birdseye
For Birdseye's roughly 410 residents, these are the steps that most influence the offer:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Use the loan calculator to test the payment on your intended amount and term.
- Line up several pre-qualified offers and let the APR decide.
- Make sure the lender appears in the Indiana regulator's licence list.
- Keep the amount to the expense; an approval is not a reason to take more.
- Decide the purpose and how you will repay it before approaching any lender.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
In Birdseye as elsewhere in Indiana, the written terms — not the advertisement — are what count for its 410 residents.
What Indiana law requires in Birdseye
Below are the Indiana rules that apply to a loan made in Birdseye, each with the regulator that issued it.
| 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 |
| 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 |
Common questions
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Nearby places
- Ferdinand, IN — population 2,189
- English, IN — population 678
- French Lick, IN — population 1,731
- Jasper, IN — population 16,781
- Huntingburg, IN — population 6,495
- West Baden Springs, IN — population 560
- Dale, IN — population 1,522
- Santa Claus, IN — population 2,609