Personal loans in Dune Acres, IN
The first question in Dune Acres is not the rate on offer but whether the payment fits; about 234 people live here under Indiana lending law. Dune Acres is one of 565 Census places in Indiana; its 234 residents put it at 491st.
Census data show virtually no population shift in Dune Acres between 2020 and 2023. A lender that serves Dune Acres operates under Indiana lending statutes and a Indiana supervisor. Begin with the payment, then weigh APR and total interest across the lenders that reach Dune Acres's 234 residents. The closest larger city is Porter, IN about 2 miles away.
What the Census records for Dune Acres
Most of what governs a Dune Acres loan is written in Indiana law rather than in the city; the sourced notes below make that split concrete.
- Population: 234 residents; Dune Acres is the 491st-largest of 565 places in Indiana (US Census Bureau, Vintage 2023).
- Population trend: Held essentially flat from the 2020 Census base to the 2023 estimate.
- Size percentile: Dune Acres's 234 people outrank roughly 13% of the places in Indiana.
- Land and density: 2.1 square miles of land carry roughly 110 residents per square mile.
- By land area: Dune Acres ranks 173rd among Indiana's 565 places, at 2.1 sq mi.
- Water area rank: Dune Acres ranks 8th among Indiana's 565 places, with 1.27 sq mi.
- State share: roughly 0.0% of Indiana's residents live in Dune Acres (234 people).
- National rank: Dune Acres sits 15,976th by population among the 19,457 places in this dataset.
- Growth rank: Dune Acres's 2020-to-2023 change ranks 298th of 565 places in Indiana.
- State comparison: Indiana's places average +1.0% for 2020-to-2023, against Dune Acres's 0.0%.
- Density rank: Dune Acres places 561st among Indiana's places by people per square mile.
- Density in context: Dune Acres's 110 people per square mile sit against a Indiana median of 1,375.
- Location: latitude 41.6518, longitude -87.0888 (Census Gazetteer).
- Nearest larger cities: Porter (2 mi); Burns Harbor (3 mi); Chesterton (4 mi); Ogden Dunes (6 mi); Portage (6 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Michiana (16 mi); Kingsbury (22 mi); Indian Village (44 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 5 smaller Census places.
- Larger places within 100 miles: 602.
Borrowing reach in Dune Acres
Dune Acres is a lightly settled community of about 234 people, with 205 larger places inside a 50-mile radius. What is available to Dune Acres's 234 borrowers is set by Indiana licensing and your own credit, not by how many branches are nearby. The nearest larger city, Porter, IN about 2 miles away.
Dune Acres: area, density and distance
The Census Gazetteer records 2.1 square miles of land and 1.27 square miles of water within Dune Acres. That land carries about 110 people per square mile. Fort Wayne, the largest place in Indiana, is about 108 miles from Dune Acres. Dune Acres has 205 larger places within a 50-mile radius. Within the same 50 miles lie 5 smaller Census places.
What a Dune Acres borrower is actually offered
In Dune Acres, a small community of about 234, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Dune Acres's 234 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Dune Acres loan but raises total interest, so the smallest payment is not the cheapest loan.
The state rulebook for Dune Acres
Every row below records a Indiana rule, its publisher and its retrieval date — the same rules a Dune Acres lender must follow.
| 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 |
| 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 |
Dune Acres against the rest of Indiana
Dune Acres is the 491st-largest of 565 Census places in Indiana and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 298th of 565 Indiana places, putting it near the 47th percentile for growth. Its roughly 110 residents per square mile place it 561st among Indiana's places. In land area, Dune Acres ranks 173rd among Indiana's 565 places.
Common questions
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Nearby places
- Porter, IN — population 5,204
- Burns Harbor, IN — population 2,142
- Chesterton, IN — population 14,657
- Ogden Dunes, IN — population 1,173
- Portage, IN — population 38,513
- Beverly Shores, IN — population 603
- Town of Pines, IN — population 594
- Valparaiso, IN — population 34,627