Personal loans in Clayton, IN

Where Clayton stands

The figures below are Clayton's own — Census population, land area and coordinates — followed by the Indiana rules.

• Population: 927 — Clayton ranks 317th of 565 communities in Indiana (US Census Bureau, Vintage 2023).
• Population trend: A gain of roughly 1.9% between 2020 and 2023.
• Net change: roughly 17 more people than the 2020 Census counted.
• Size percentile: roughly 44% of Indiana places rank below Clayton.
• Density: roughly 1,426 residents per square mile, spread over 0.7 sq mi of land.
• By land area: Clayton ranks 347th among Indiana's 565 places, at 0.7 sq mi.
• Within Indiana: about 0.0% of the state's population lives in Clayton.
• National rank: Clayton sits 10,554th by population among the 19,457 places in this dataset.
• Growth rank: Clayton ranks 111th among Indiana's 565 places for the 2020-to-2023 change.
• Versus Indiana: the state average change is +1.0%, while Clayton moved 1.9%.
• Density rank: Clayton places 264th among Indiana's places by people per square mile.
• Density in context: Clayton's 1,426 people per square mile sit against a Indiana median of 1,375.
• Location: coordinates 39.6884, -86.5219 (US Census Bureau Gazetteer).
• Nearest larger cities: Danville (5 mi); Monrovia (7 mi); Plainfield (8 mi); Avon (8 mi); Mooresville (10 mi). Larger metros often have more branches, but online lenders reach Clayton on the same terms.
• Smaller places nearby: Amo (5 mi); Stilesville (7 mi); Coatesville (8 mi).
• Smaller neighbours: 57 places smaller than Clayton sit within 50 miles.
• Within 100 miles: 241 places are larger than Clayton.

Steps to take before a Clayton loan

Complete these steps first when you borrow in Clayton (927 residents):

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Verify the lender's Indiana licence with the regulator listed on this page.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Pick the shortest term whose payment you can comfortably afford.

In Clayton as elsewhere in Indiana, the written terms — not the advertisement — are what count for its 927 residents.

Clayton's place among Indiana's 565 places

Among Indiana's 565 places, Clayton sits at 317th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Clayton ranks 111th of 565 in Indiana (about the 80th percentile). By density, at about 1,426 people per square mile, it ranks 264th in Indiana. The population moved by about 17 people between 2020 and 2023, a 1.9% shift.

The geography behind Clayton

Inside Clayton's boundaries lie about 0.7 square miles of land, with no significant water area recorded. That land carries about 1,426 people per square mile. The state's population centre of gravity, Fort Wayne, is roughly 121 miles away. A 50-mile radius around Clayton takes in 70 places that are larger. Within the same 50 miles lie 57 smaller Census places.

Indiana consumer-lending rules applied in Clayton

Below are the Indiana rules that apply to a loan made in Clayton, each with the regulator that issued it.

Getting a loan in Clayton

At roughly 1,426 people per square mile, Clayton is moderately settled; 70 larger places lie within 50 miles. A Indiana licence lets a lender serve Clayton without a local office, so branch density does not change what its 927 residents are offered. For a larger market, the closest option is Danville, IN about 5 miles away.