Personal loans in Sharpsville, IN
The 2020 count to the 2023 estimate shows about 2.0% decline in Sharpsville. Sharpsville counts about 543 people, and what is genuinely local about borrowing here is limited — Indiana law does the governing.
With 543 residents, Sharpsville outranks about 29% of the communities in Indiana. The next larger city is Kokomo, IN about 6 miles away. State law, not city hall, decides what a lender may do to Sharpsville's roughly 543 residents, and a state regulator supervises it. Verify the lender's Indiana licence against the regulator named below before borrowing in Sharpsville.
Borrowing in Sharpsville: the local picture
Set out below is Sharpsville's local context next to the state-level rules that reach every lender here.
- Population: the Census counts 543 residents in Sharpsville (Vintage 2023 subcounty estimate), the 401st-largest figure among Indiana's 565 places.
- Population trend: The 2020-to-2023 change is negative, near 2.0%.
- People gained or lost: about 11 fewer since the 2020 base.
- Size percentile: roughly 29% of Indiana's places have fewer residents than Sharpsville's 543.
- Land and density: 0.2 square miles of land carry roughly 2,361 residents per square mile.
- Land area rank: Sharpsville's 0.2 square miles rank 489th of 565 places in Indiana.
- Share of Indiana: Sharpsville holds about 0.0% of the state's population, some 543 people.
- Nationally: Sharpsville is the 12,828th-largest of 19,457 Census places in the dataset.
- Growth in Indiana: Sharpsville stands 537th by percentage change from 2020 to 2023, among 565 places.
- State comparison: Indiana's places average +1.0% for 2020-to-2023, against Sharpsville's 2.0%.
- Density rank: Sharpsville is the 43rd most densely settled place in Indiana.
- Density vs Indiana: Sharpsville's 2,361 people per square mile compare with a state median of 1,375.
- Location: mapped by the US Census Bureau at 40.3797, -86.0869.
- Nearest larger cities: Kokomo (6 mi); Windfall City (7 mi); Tipton (7 mi); Greentown (9 mi); Russiaville (10 mi). Online lenders reach Sharpsville no matter how far the nearest branch is.
- Smaller communities close by: Kempton (10 mi); Michigantown (16 mi); Amboy (18 mi), each with its own Census population profile.
- Smaller places within 50 miles: 44 of them.
- Within 100 miles: 356 places are larger than Sharpsville.
Inside a Sharpsville personal loan
Most loans made to Sharpsville's 543 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Sharpsville lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Sharpsville loan is knowable in advance — unlike a revolving card balance.
Indiana rules behind a Sharpsville personal loan
When Indiana does not publish a figure, the row links to the source instead of inventing a number; Sharpsville is bound by the same rules.
| 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 |
| 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 |
| 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 |
How lenders reach Sharpsville
At roughly 2,361 people per square mile, Sharpsville is fairly dense; 109 larger places lie within 50 miles. Distance to a branch rarely matters for Sharpsville's 543 residents: the application is online and the price follows your credit file. The nearest bigger place is Kokomo, IN about 6 miles away.
Sharpsville against the rest of Indiana
Within Indiana, Sharpsville holds roughly 0.0% of all residents, the 401st-largest share among 565 places. On the 2020-to-2023 trend, Sharpsville stands 537th among Indiana's 565 places — roughly the 5th percentile. At about 2,361 people per square mile, Sharpsville is the 43rd most densely settled place in Indiana. Within 50 miles sit 44 smaller Census places, alongside the 109 that are larger.
Sharpsville on the map
Sharpsville's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 2,361 people per square mile. The largest place in Indiana, Fort Wayne, lies about 70 miles away. Sharpsville has 109 larger places within a 50-mile radius. The 100-mile radius contains 356 larger places.
Common questions
What are my options in Sharpsville if my credit is poor?
What loan size can I expect in Sharpsville?
Do I have to pledge anything to borrow in Sharpsville?
Does comparing loans in Sharpsville cost me credit score points?
Nearby places
- Kokomo, IN — population 59,890
- Tipton, IN — population 5,245
- Windfall City, IN — population 684
- Greentown, IN — population 2,405
- Kempton, IN — population 279
- Atlanta, IN — population 746
- Russiaville, IN — population 1,310
- Arcadia, IN — population 1,474