Personal loans in Griffith, IN
The roughly 16,222 people who live in Griffith borrow under Indiana rules; city hall sets no personal-loan rate. Compare APR, not the interest rate, because the APR folds in most fees on a Griffith loan.
Roughly 16,222 residents live in Griffith, the 57th-largest community in Indiana. Consumer lending that reaches Griffith's 16,222 residents is governed by Indiana statute; no city ordinance changes it. The 2020 count to the 2023 estimate shows about 1.9% decline in Griffith. A larger market lies at Highland, IN about 2 miles away.
The Griffith data picture
Read the local figures below as context; read the sourced Indiana table as the rulebook a lender here must follow.
- Population: the Census counts 16,222 residents in Griffith (Vintage 2023 subcounty estimate), the 57th-largest figure among Indiana's 565 places.
- Population trend: Lower by roughly 1.9% since the 2020 count.
- Absolute change: 319 residents lost between 2020 and 2023.
- Size percentile: about 90% of Indiana's Census places are smaller than Griffith.
- Density: the Census land area of 7.8 sq mi holds about 2,088 people per square mile.
- Land area: Griffith covers 7.8 square miles, the 74th-largest area among Indiana's 565 places.
- Share of state population: Griffith's 16,222 residents are about 0.4% of Indiana.
- National rank: Griffith is the 2,234th most populous of the 19,457 Census places covered here.
- Growth in Indiana: Griffith stands 535th by percentage change from 2020 to 2023, among 565 places.
- Against the state trend: Griffith's 1.9% change compares with a Indiana average of +1.0% across its 565 places.
- Density in Indiana: Griffith ranks 87th by people per square mile.
- Density vs Indiana: Griffith's 2,088 people per square mile compare with a state median of 1,375.
- Location: 41.5276, -87.4239 (Census Gazetteer coordinates).
- Nearest larger cities: Highland (2 mi); Schererville (3 mi); Munster (4 mi); Dyer (5 mi); Gary (6 mi). Larger metros often have more branches, but online lenders reach Griffith on the same terms.
- Smaller communities within reach: Lynwood (7 mi); Sauk Village (8 mi); New Chicago (8 mi).
- Smaller neighbours: 159 places smaller than Griffith sit within 50 miles.
- At 100 miles: 155 larger Census places fall inside that radius.
Griffith on the map
Inside Griffith's boundaries lie about 7.8 square miles of land, with no significant water area recorded. That land carries about 2,088 people per square mile. For the state's biggest city, Fort Wayne, the distance is roughly 122 miles. Counting outward 50 miles, 98 larger communities surround Griffith. Within the same 50 miles lie 159 smaller Census places.
How Indiana law applies in Griffith
Indiana has no separate rate rule for Griffith; the sourced rows below are what reach every lender that serves its 16,222 people.
| 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 |
Griffith in state context
Against Indiana's other places, Griffith accounts for about 0.4% of the state's population and ranks 57th of 565 by size. For population change between 2020 and 2023, Griffith ranks 535th of 565 in Indiana (about the 5th percentile). By density, at about 2,088 people per square mile, it ranks 87th in Indiana. The population moved by about 319 people between 2020 and 2023, a 1.9% shift.
What to do before borrowing in Griffith
Before you hand your details to a lender in Griffith, where the population is near 16,222:
- Pull your credit reports first and correct any error before a lender sees the file.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the Indiana licence with the regulator named above before committing.
- Borrow only what the purpose requires, not the maximum you are offered.
- Be clear on what the loan is for and how it gets repaid.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
What differs between Griffith and the rest of Indiana is not the process but the borrower's own file, among the 16,222 people here.
Borrowing reach in Griffith
Griffith is a fairly dense community of about 16,222 people, with 98 larger places inside a 50-mile radius. Lenders licensed in Indiana reach Griffith's 16,222 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Highland, IN about 2 miles away.
Common questions
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Nearby places
- Highland, IN — population 23,525
- Schererville, IN — population 29,657
- Munster, IN — population 23,614
- Dyer, IN — population 16,333
- St. John, IN — population 23,644
- Gary, IN — population 67,652
- Hammond, IN — population 76,193
- Merrillville, IN — population 36,347