Personal loans in Spurgeon, IN

Spurgeon, Indiana — home to about 166 people — is a small community, so the terms you are offered follow Indiana law rather than any local rule. The 2020 count to the 2023 estimate shows about 1.2% decline in Spurgeon. Use the calculator on this page to price an amount and term before you commit in Spurgeon. The next larger city is Lynnville, IN about 5 miles away.

The Spurgeon data picture

Two layers matter for a Spurgeon borrower: the local population picture and Indiana's consumer-lending statutes.

• Population: 166 people, a figure that places Spurgeon 519th among the 565 Census places in Indiana (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 1.2% from 2020 to 2023.
• People gained or lost: about 2 fewer since the 2020 base.
• Size percentile: roughly 8% of Indiana's places have fewer residents than Spurgeon's 166.
• Population density: about 949 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Spurgeon's 0.2 square miles rank 513th of 565 places in Indiana.
• State population share: Spurgeon accounts for about 0.0% of everyone in Indiana.
• National standing: Spurgeon ranks 17,030th of 19,457 US places.
• Growth rank: Spurgeon's 2020-to-2023 change ranks 469th of 565 places in Indiana.
• Against the state trend: Spurgeon's 1.2% change compares with a Indiana average of +1.0% across its 565 places.
• Density rank: Spurgeon is the 417th most densely settled place in Indiana.
• Density in context: Spurgeon's 949 people per square mile sit against a Indiana median of 1,375.
• Location: 38.2555, -87.2595 (US Census Bureau Gazetteer).
• Nearest larger cities: Lynnville (5 mi); Somerville (7 mi); Oakland City (7 mi); Winslow (9 mi); Francisco (12 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller places: Mackey (7 mi); Alfordsville (27 mi); Griffin (36 mi).
• Within a 50-mile radius: 10 smaller Census places.
• Within 100 miles: 407 places are larger than Spurgeon.

Before you apply in Spurgeon

Before you hand your details to a lender in Spurgeon, where the population is near 166:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the lender holds a Indiana licence by checking the regulator named above.
5. Test the payment against your current bills before you commit.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Spurgeon and the rest of Indiana is not the process but the borrower's own file, among the 166 people here.

The state rulebook for Spurgeon

The rows below set out what a licensed lender must follow in Indiana, and so for Spurgeon's roughly 166 residents.

What shapes a Spurgeon personal loan

With roughly 166 residents, Spurgeon is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Spurgeon lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Spurgeon loan but raises total interest, so the smallest payment is not the cheapest loan.

How Spurgeon compares across Indiana

Within Indiana, Spurgeon holds roughly 0.0% of all residents, the 519th-largest share among 565 places. Its 2020-to-2023 change ranks 469th of 565 Indiana places, putting it near the 17th percentile for growth. At about 949 people per square mile, Spurgeon is the 417th most densely settled place in Indiana. By land area, its 0.2 square miles rank 513th of 565 places in Indiana.

How lenders reach Spurgeon

At roughly 949 people per square mile, Spurgeon is moderately settled; 87 larger places lie within 50 miles. Lenders licensed in Indiana reach Spurgeon's 166 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Lynnville, IN about 5 miles away.