Personal loans in Hartford City, IN
Hartford City shed about 1.9% of its population between the 2020 base and the 2023 estimate. A lender serving Hartford City holds a Indiana licence and answers to a Indiana regulator; no city office is involved for its 5,974 residents.
Hartford City is one of 565 Census places in Indiana; its 5,974 residents put it at 111th. The next larger city is Gas City, IN about 12 miles away. For the 5,974 people in Hartford City, Indiana runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Judge Hartford City offers on total cost, not on how quickly the money arrives.
Where Hartford City stands
What follows is Hartford City's place in the Census record, alongside the Indiana rules that govern a personal loan made here.
- Population: 5,974 residents; Hartford City is the 111th-largest of 565 places in Indiana (US Census Bureau, Vintage 2023).
- Population trend: About 1.9% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 113 residents.
- Size percentile: about 80% of Indiana's Census places are smaller than Hartford City.
- Density: roughly 1,539 residents per square mile, spread over 3.9 sq mi of land.
- Land area: Hartford City covers 3.9 square miles, the 123rd-largest area among Indiana's 565 places.
- Water area rank: Hartford City ranks 141st among Indiana's 565 places, with 0.02 sq mi.
- Share of state population: Hartford City's 5,974 residents are about 0.2% of Indiana.
- National rank: Hartford City is the 4,368th most populous of the 19,457 Census places covered here.
- Growth rank: Hartford City ranks 530th among Indiana's 565 places for the 2020-to-2023 change.
- State comparison: Indiana's places average +1.0% for 2020-to-2023, against Hartford City's 1.9%.
- Density rank: Hartford City places 229th among Indiana's places by people per square mile.
- Density in context: Hartford City's 1,539 people per square mile sit against a Indiana median of 1,375.
- Location: coordinates 40.4537, -85.3732 (US Census Bureau Gazetteer).
- Nearest larger cities: Gas City (12 mi); Marion (16 mi); Muncie (18 mi); Yorktown (20 mi); Portland (21 mi). Lenders licensed in the state serve Hartford City whether or not they keep a local branch.
- Nearest smaller places: Shamrock Lakes (4 mi); Upland (7 mi); Matthews (8 mi).
- Within a 50-mile radius: 132 smaller Census places.
- At 100 miles: 127 larger Census places fall inside that radius.
Hartford City's place among Indiana's 565 places
Within Indiana, Hartford City holds roughly 0.2% of all residents, the 111th-largest share among 565 places. On the 2020-to-2023 trend, Hartford City stands 530th among Indiana's 565 places — roughly the 6th percentile. By density, at about 1,539 people per square mile, it ranks 229th in Indiana. By land area, its 3.9 square miles rank 123rd of 565 places in Indiana.
The anatomy of a Hartford City personal loan
Hartford City is a small town of about 5,974 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Hartford City lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Hartford City loan is knowable in advance — unlike a revolving card balance.
The geography behind Hartford City
Inside Hartford City's boundaries lie roughly 3.9 square miles of land and 0.02 square miles of water. Spread across it are roughly 1,539 residents per square mile. Fort Wayne, the largest place in Indiana, is about 45 miles from Hartford City. Within 50 miles of Hartford City there are 24 larger Census places. Within the same 50 miles lie 132 smaller Census places.
The Indiana lending rules that reach Hartford City
For the roughly 5,974 residents of Hartford City, the rules below are Indiana's own; each row carries its publisher and retrieval date.
| 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 |
Getting a loan in Hartford City
Hartford City is moderately settled, with about 1,539 people per square mile and 24 larger places within 50 miles. Distance to a branch rarely matters for Hartford City's 5,974 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Gas City, IN about 12 miles away.
Common questions
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Nearby places
- Shamrock Lakes, IN — population 218
- Eaton, IN — population 1,590
- Upland, IN — population 3,808
- Montpelier, IN — population 1,514
- Matthews, IN — population 495
- Dunkirk, IN — population 2,098
- Gaston, IN — population 800
- Albany, IN — population 2,282