Personal loans in Modoc, IN

Two households in Modoc with comparable incomes can still be offered different rates; the city's 160 residents are not the reason. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Modoc loan. State law, not city hall, decides what a lender may do to Modoc's roughly 160 residents, and a state regulator supervises it. The next larger city is Losantville, IN about 3 miles away.

Borrowing in Modoc: the local picture

Modoc is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: an estimated 160 residents, 522nd of 565 places in Indiana (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 1.2% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a loss of about 2 residents.
• Size percentile: with 160 residents, Modoc is larger than about 8% of Indiana's Census places.
• Density: the Census land area of 0.1 sq mi holds about 1,553 people per square mile.
• By land area: Modoc ranks 545th among Indiana's 565 places, at 0.1 sq mi.
• Share of state population: Modoc's 160 residents are about 0.0% of Indiana.
• National rank: Modoc sits 17,124th by population among the 19,457 places in this dataset.
• Growth rank: Modoc ranks 475th among Indiana's 565 places for the 2020-to-2023 change.
• Against the state trend: Modoc's 1.2% change compares with a Indiana average of +1.0% across its 565 places.
• Density rank: Modoc places 226th among Indiana's places by people per square mile.
• Density vs Indiana: Modoc's 1,553 people per square mile compare with a state median of 1,375.
• Location: mapped by the US Census Bureau at 40.0455, -85.1262.
• Nearest larger cities: Losantville (3 mi); Mooreland (7 mi); Hagerstown (9 mi); Lynn (10 mi); Farmland (10 mi). Lenders licensed in the state serve Modoc whether or not they keep a local branch.
• Nearest smaller towns: Economy (5 mi); Blountsville (6 mi); Springport (14 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 21 smaller Census places.
• Within 100 miles: 589 places are larger than Modoc.

Modoc: area, density and distance

The Census Gazetteer records about 0.1 square miles of land within Modoc, with no significant water area listed. That land carries about 1,553 people per square mile. For the state's biggest city, Fort Wayne, the distance is roughly 72 miles. Counting outward 50 miles, 155 larger communities surround Modoc. The 100-mile radius contains 589 larger places.

What is available to Modoc borrowers

Modoc is a moderately settled community of about 160 people, with 155 larger places inside a 50-mile radius. Whether Modoc has a local branch or not, a Indiana-licensed lender can serve its 160 people online on the same terms. The nearest bigger place is Losantville, IN about 3 miles away.

Modoc in state context

Within Indiana, Modoc holds roughly 0.0% of all residents, the 522nd-largest share among 565 places. For population change between 2020 and 2023, Modoc ranks 475th of 565 in Indiana (about the 16th percentile). Its roughly 1,553 residents per square mile place it 226th among Indiana's places. The population moved by about 2 people between 2020 and 2023, a 1.2% shift.

What to do before borrowing in Modoc

Complete these steps first when you borrow in Modoc (160 residents):

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the Indiana licence with the regulator named above before committing.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Modoc-specific: the same Indiana licensing and disclosure rules reach all 160 residents.

How Indiana law applies in Modoc

When Indiana does not publish a figure, the row links to the source instead of inventing a number; Modoc is bound by the same rules.