Personal loans in Mecca, IN
If you are weighing a personal loan in Mecca, start from the payment you can carry; its 274 residents face the same statewide rules. At about 274 residents, Mecca is larger than roughly 17% of the places in Indiana.
Population in Mecca climbed about 3.0% over the three years from 2020 to 2023. Consumer lending that reaches Mecca's 274 residents is governed by Indiana statute; no city ordinance changes it. Work out your debt-to-income ratio first; lenders weigh it heavily, and Mecca's 274 residents are no exception. The closest larger place is Montezuma, IN about 5 miles away.
Local context for Mecca
Read the local figures below as context; read the sourced Indiana table as the rulebook a lender here must follow.
- Population: 274 people, a figure that places Mecca 471st among the 565 Census places in Indiana (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 3.0%.
- Net change: roughly 8 more people than the 2020 Census counted.
- Size percentile: Mecca sits ahead of around 17% of Indiana places, at 274 people.
- Population density: about 697 people per square mile across 0.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Mecca ranks 416th among Indiana's 565 places, at 0.4 sq mi.
- Share of Indiana: Mecca holds about 0.0% of the state's population, some 274 people.
- National rank: Mecca is 15,429th of 19,457 places nationwide.
- Growth rank: Mecca's 2020-to-2023 change ranks 54th of 565 places in Indiana.
- Versus Indiana: the state average change is +1.0%, while Mecca moved 3.0%.
- Density rank: Mecca is the 484th most densely settled place in Indiana.
- Against the state median: Mecca runs about 697 residents per square mile, where the Indiana median is 1,375.
- Location: the Census Gazetteer records it at 39.7271, -87.3317.
- Nearest larger cities: Montezuma (5 mi); Fairview Park (5 mi); Clinton (6 mi); Rockville (6 mi); Rosedale (8 mi). Living near a larger metro rarely changes what is available in Mecca.
- Smaller places close by: Bloomingdale (8 mi); Carbon (15 mi); Vermilion (17 mi).
- Within a 50-mile radius: 23 smaller Census places.
- Larger places within 100 miles: 390.
How Mecca compares across Indiana
Set beside Indiana's 565 places, Mecca ranks 471st by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Mecca ranks 54th of 565 in Indiana (about the 90th percentile). At about 697 people per square mile, Mecca is the 484th most densely settled place in Indiana. The population moved by about 8 people between 2020 and 2023, a 3.0% shift.
What shapes a Mecca personal loan
Most loans made to Mecca's 274 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Mecca can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Mecca loan but raises total interest, so the smallest payment is not the cheapest loan.
What is available to Mecca borrowers
Mecca is moderately settled, with about 697 people per square mile and 103 larger places within 50 miles. A Indiana licence lets a lender serve Mecca without a local office, so branch density does not change what its 274 residents are offered. The nearest bigger place is Montezuma, IN about 5 miles away.
The Indiana lending rules that reach Mecca
The rows below set out what a licensed lender must follow in Indiana, and so for Mecca's roughly 274 residents.
| 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 |
| 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 |
| Small-loan size limit | $825 maximum aggregate small-loan principal per borrower Source says: "Lenders cannot have loans ... outstanding with you at any one time if the aggregate principal amount/amount financed exceeds $825". | Indiana Department of Financial Institutions as of 2026-09-16 |
The geography behind Mecca
Inside Mecca's boundaries lie about 0.4 square miles of land, with no significant water area recorded. With 274 residents, the land area yields roughly 697 people per square mile. The state's population centre of gravity, Fort Wayne, is roughly 149 miles away. Mecca has 103 larger places within a 50-mile radius. The 100-mile radius contains 390 larger places.
Common questions
What are my options in Mecca if my credit is poor?
What loan size can I expect in Mecca?
Do I have to pledge anything to borrow in Mecca?
Does comparing loans in Mecca cost me credit score points?
Nearby places
- Montezuma, IN — population 927
- Fairview Park, IN — population 1,410
- Clinton, IN — population 4,790
- Rockville, IN — population 2,592
- Rosedale, IN — population 651
- Bloomingdale, IN — population 269
- Universal, IN — population 281
- Newport, IN — population 411