Personal loans in Terre Haute, IN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Terre Haute, IN.
The median household in Terre Haute earns $43,126 a year, 40% below the Indiana median of $71,957. About 25% of residents live below the federal poverty line, and 47.8% of households rent their home. 10.8% of households have no home internet; our form works on any phone.
Indiana law that applies in Terre Haute
| 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 Terre Haute
Most Terre Haute applicants can finish in one sitting if they have these ready:
- 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 Terre Haute
What Terre Haute borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Terre Haute
- 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 Terre Haute
24 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Financial Bank, National Association | 5 | 1 First Financial Plz, Terre Haute 47807 |
| The Hometown Savings Bank | 5 | 533 Ohio St, Terre Haute 47807 |
| Old National Bank | 4 | 701 Wabash Ave, Terre Haute 47807 |
| Fifth Third Bank, National Association | 3 | 350 Wabash Ave, Terre Haute 47807 |
| Woodforest National Bank | 2 | 5555 S Us Highway 41, Terre Haute 47802 |
| The Riddell National Bank | 2 | 2129 S State Road 46, Terre Haute 47803 |
| First Farmers Bank & Trust Co. | 2 | 315 E Davis Dr, Terre Haute 47802 |
| Prospect Bank | 1 | 2609 Poplar St, Terre Haute 47803 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Terre Haute
8 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Crane | 1125 Ohio St, Terre Haute 47807 |
| Indiana State University | 444 N 3Rd St, Terre Haute 47807 |
| Vigo County | 126 S 3Rd St, Terre Haute 47807 |
| Advantageplus Of Indiana | 1122 N Fruitridge Ave, Terre Haute 47804 |
| T H P | 4200 Bureau Rd N, Terre Haute 47802 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Vigo County · Payday Loans in Terre Haute
Frequently asked questions
Can I get a personal loan with bad credit in Terre Haute?
Possibly. Lenders in our network consider applicants with fair and bad credit across Indiana, including Terre Haute. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Terre Haute, IN?
Supervised loans: 36% to $2,600, 21% to $5,200, 15% above (or 25%).
How fast can I get a personal loan in Terre Haute?
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.
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.
How long does it take to get a personal loan in Terre Haute?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Terre Haute.
Can I get an emergency loan with bad credit in Terre Haute?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Terre Haute residents can see if they qualify in about 3 minutes.
Where can I find a loan for bad credit in Terre Haute?
You can apply at local banks and lenders in Terre Haute, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within 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 Terre Haute borrowers who qualify.
Do I need to visit a store in Terre Haute?
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.