Personal loans in Mentone, IN

A lender that serves Mentone operates under Indiana lending statutes and a Indiana supervisor. With an estimated 922 residents, Mentone is the 321st-largest of 565 places in Indiana.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Personal loans in Mentone are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 922 population. A 2020-to-2023 comparison shows Mentone down by about 2.4%. Judge Mentone offers on total cost, not on how quickly the money arrives. The closest larger city is Akron, IN about 9 miles away.

What the Census records for Mentone

Most of what governs a Mentone loan is written in Indiana law rather than in the city; the sourced notes below make that split concrete.

The geography behind Mentone

Mentone covers about 0.6 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,581 residents per square mile. The largest place in Indiana, Fort Wayne, lies about 47 miles away. Within 50 miles of Mentone there are 70 larger Census places. Within the same 50 miles lie 40 smaller Census places.

Indiana consumer-lending rules applied in Mentone

The rows below set out what a licensed lender must follow in Indiana, and so for Mentone's roughly 922 residents.

RuleDetailSource
State lending regulatorIndiana 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 licensingSmall 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

What shapes a Mentone personal loan

Most loans made to Mentone's 922 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Mentone. A longer term lowers the monthly payment on a Mentone loan but raises total interest, so the smallest payment is not the cheapest loan.

Lender access in Mentone

Mentone is moderately settled, with about 1,581 people per square mile and 70 larger places within 50 miles. What is available to Mentone's 922 borrowers is set by Indiana licensing and your own credit, not by how many branches are nearby. The nearest larger city, Akron, IN about 9 miles away.

How Mentone compares across Indiana

Set beside Indiana's 565 places, Mentone ranks 321st by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 550th of 565 Indiana places, putting it near the 3th percentile for growth. Its roughly 1,581 residents per square mile place it 219th among Indiana's places. Within 50 miles sit 40 smaller Census places, alongside the 70 that are larger.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Mentone if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Mentone is the same as anywhere in Indiana.
What loan size can I expect in Mentone?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Mentone?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Mentone cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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