Personal loans in Huntington, IN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Huntington, IN.
The median household in Huntington earns $56,520 a year, 21% below the Indiana median of $71,957. About 15% of residents live below the federal poverty line, and 34.9% of households rent their home.
Indiana law that applies in Huntington
| Rate cap | For supervised loans the finance charge may not exceed the greater of (a) 36% a year on the first band of principal, 21% on the second band and 15% above that, or (b) 25% a year on the whole balance. |
|---|---|
| License required | Yes. |
Full rules with statute citations: Personal Loans in Indiana. Cities in Indiana cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Huntington
Lenders that serve Huntington typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Huntington
What Huntington borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Huntington
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Huntington
12 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Federal Savings Bank | 3 | 648 N Jefferson St, Huntington 46750 |
| The Bippus State Bank | 2 | 150 Hauenstein Rd, Huntington 46750 |
| Lake City Bank | 1 | 1501 N Jefferson St, Huntington 46750 |
| PNC Bank, National Association | 1 | 2020 N Jefferson St, Huntington 46750 |
| Flagstar Bank, National Association | 1 | 2720 Guilford St, Huntington 46750 |
| 1st Source Bank | 1 | 1959 N Jefferson St, Huntington 46750 |
| First Merchants Bank | 1 | 2845 Guilford St, Huntington 46750 |
| First Farmers Bank & Trust Co. | 1 | 244 Hauenstein Rd, Huntington 46750 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Huntington
7 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Partners 1St | 621 Cherry St, Huntington 46750 |
| Community Link | 325 Etna Ave, Huntington 46750 |
| Everwise | 313 Northpoint Ave, Huntington 46750 |
| Beacon | 136 Northpoint Ave, Huntington 46750 |
| Midwest America | 2835 N Jefferson St, Huntington 46750 |
| Public Service #3 | 1885 Old Us 24 E, Huntington 46750 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Huntington County · Payday Loans in Huntington
Frequently asked questions
Can I get a personal loan with bad credit in Huntington?
Possibly. Lenders in our network consider applicants with fair and bad credit across Indiana, including Huntington. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Huntington, IN?
Supervised loans: 36% to $2,600, 21% to $5,200, 15% above (or 25%).
How fast can I get a personal loan in Huntington?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How can I get an emergency loan in Huntington?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Huntington with our free 3-minute form.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Huntington residents can see their options in about 3 minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Huntington borrowers who qualify.
Do I need to visit a store in Huntington?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.