Personal loans in Shamrock Lakes, IN
Shamrock Lakes is a small community of about 218 residents, and a personal loan taken out here is governed by Indiana statute. The Census estimates 218 residents in Shamrock Lakes, which ranks it 497th of 565 places in Indiana.
The nearest larger city is Matthews, IN about 4 miles away. Shamrock Lakes lost roughly 1.8% of its population across the 2020-to-2023 comparison. Every figure below is Indiana's own, applied to Shamrock Lakes's 218 residents, with the publisher and retrieval date attached. Begin with the payment, then weigh APR and total interest across the lenders that reach Shamrock Lakes's 218 residents.
What the Census records for Shamrock Lakes
Read the local figures below as context; read the sourced Indiana table as the rulebook a lender here must follow.
- Population: about 218, ranked 497th of 565 places in Indiana (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 1.8% from 2020 to 2023.
- Net change: roughly 4 fewer people than the 2020 Census counted.
- Size percentile: bigger than about 12% of the places in Indiana, with 218 residents in Shamrock Lakes.
- Population density: about 829 people per square mile (Census land area 0.3 sq mi).
- Land area: Shamrock Lakes covers 0.3 square miles, the 473rd-largest area among Indiana's 565 places.
- Water: Shamrock Lakes holds about 0.06 square miles, the 98th-largest water area in Indiana.
- Share of state population: Shamrock Lakes's 218 residents are about 0.0% of Indiana.
- National rank: Shamrock Lakes sits 16,203rd by population among the 19,457 places in this dataset.
- Growth rank: Shamrock Lakes's 2020-to-2023 change ranks 525th of 565 places in Indiana.
- Against the state trend: Shamrock Lakes's 1.8% change compares with a Indiana average of +1.0% across its 565 places.
- Density rank: Shamrock Lakes is the 450th most densely settled place in Indiana.
- Density in context: Shamrock Lakes's 829 people per square mile sit against a Indiana median of 1,375.
- Location: it lies at 40.4114, -85.4274 in the Census Gazetteer.
- Nearest larger cities: Matthews (4 mi); Hartford City (4 mi); Upland (5 mi); Eaton (7 mi); Fowlerton (8 mi). Lenders licensed in the state serve Shamrock Lakes whether or not they keep a local branch.
- Smaller communities close by: Poneto (20 mi); Mount Etna (24 mi); Country Club Heights (24 mi), each with its own Census population profile.
- Smaller neighbours: 25 places smaller than Shamrock Lakes sit within 50 miles.
- Within 100 miles: 531 places are larger than Shamrock Lakes.
Shamrock Lakes's place among Indiana's 565 places
Among Indiana's 565 places, Shamrock Lakes sits at 497th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Shamrock Lakes ranks 525th of 565 in Indiana (about the 7th percentile). Its roughly 829 residents per square mile place it 450th among Indiana's places. In land area, Shamrock Lakes ranks 473rd among Indiana's 565 places.
Borrowing reach in Shamrock Lakes
Shamrock Lakes is moderately settled, with about 829 people per square mile and 130 larger places within 50 miles. Whether Shamrock Lakes has a local branch or not, a Indiana-licensed lender can serve its 218 people online on the same terms. The nearest bigger place is Matthews, IN about 4 miles away.
What to do before borrowing in Shamrock Lakes
Before you hand your details to a lender in Shamrock Lakes, where the population is near 218:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Use the loan calculator to test the payment on your intended amount and term.
- Line up several pre-qualified offers and let the APR decide.
- Check the Indiana regulator's records to confirm the lender is licensed here.
- Check that the monthly payment fits your budget next to your existing obligations.
- Pick the shortest term whose payment you can comfortably afford.
- Keep the amount to the expense; an approval is not a reason to take more.
In Shamrock Lakes as elsewhere in Indiana, the written terms — not the advertisement — are what count for its 218 residents.
What Indiana law requires in Shamrock Lakes
Every row below records a Indiana rule, its publisher and its retrieval date — the same rules a Shamrock Lakes lender must follow.
| 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 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 |
| 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 |
Where Shamrock Lakes sits
Shamrock Lakes's land area is about 0.3 square miles; a further 0.06 square miles is water. That land carries about 829 people per square mile. The largest place in Indiana, Fort Wayne, lies about 49 miles away. Counting outward 50 miles, 130 larger communities surround Shamrock Lakes. By land area it ranks 473rd of 565 Indiana places.
Common questions
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Nearby places
- Hartford City, IN — population 5,974
- Matthews, IN — population 495
- Upland, IN — population 3,808
- Eaton, IN — population 1,590
- Gaston, IN — population 800
- Fowlerton, IN — population 272
- Gas City, IN — population 6,091
- Montpelier, IN — population 1,514