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Indiana Payday Loan

State Laws Applicable to the Payday Loan Industry:
Payday loans are permitted in Indiana and all cash advance businesses, stores and lenders must be licensed with the state. The Indiana Department of Financial Institutions regulates the payday loan industry and can file a criminal action against companies or lenders engaging in unlawful lending activities as well as companies that do not hold a valid license. There are no limits placed on the interest rates and fees that payday and lenders can charge. Borrowers can have a total of 2 cash advance loans at the same time but each loan must be issued through a different payday loan company. Furthermore, cash advance companies and lenders are prohibited from filing a criminal suit against borrowers due to nonpayment or late payment.

Maximum Cash Advance Loan Amount Issued:
Consumers can receive a maximum cash advance loan of $500; however the law states that payday loan companies cannot issue more than 15% of the borrower’s monthly earnings.

Length of Payday Loan Term:
Payday loan companies in Indiana offer a maximum payday loan term of 14 days or 2 weeks.

Cash Advance Loan Extensions:
Under Indiana law, consumers cannot extend, rollover, consolidate, or renew payday loans.

Payday Loan Fees and Additional Charges:
A finance fee of $15 is generally placed on a $100 cash advance loans with a 14-day loan period. The maximum finance charges and rates are as follows: payday loans that fall within the range of $0-$250 will have a 15% finance rate, payday loans that fall within the range of $251-$400 will have a 13% finance rate, payday loans that fall within the range of $401-$500 will have a 10% finance rate.

Cash Advance Fee Schedules and Annual Percentage Rate (APR):
A cash advance loan in the amount of $100 with a 14-day loan period will have an annual percentage rate of approximately 390%.

Cash Advance Directory


Company: Check N Go Of Indiana Inc
Street Address: 1208 E Mcgalliard Rd
City: Muncie
State: IN
Zip: 47303
Phone: [765] 288-8888

Company: Check Into Cash Indiana Llc
Street Address: 130 N Perry Rd
City: Plainfield
State: IN
Zip: 46168
Phone: [317] 839-3206

Company: Act Enterprises Inc
Street Address: 1635 W 3Rd St
City: Bloomington
State: IN
Zip: 47404
Phone: [812] 336-5445

Company: Ace Cash Express Inc
Street Address: 5061 E 38Th St
City: Indianapolis
State: IN
Zip: 46218
Phone: [317] 545-7700

Company: Checkcorp Inc
Street Address: 1331 Portage Ave
City: South Bend
State: IN
Zip: 46616
Phone: [574] 289-6647


Click here for more Indiana cash advance companies.

Debt Management Directory


Company: Comprehensive Financial C
Street Address: 7800 E 236Th St
City: Cicero
State: IN
Zip: 46034
Phone: [317] 984-7693

Company: Pyramid Mortgage Corporation
Street Address: 865 W Carmel Dr Ste 112
City: Carmel
State: IN
Zip: 46032
Phone: [317] 580-4900

Company: Union Federal Bnk Indianapolis
Street Address: 8706 E 96Th St
City: Fishers
State: IN
Zip: 46037
Phone: [317] 578-2024

Company: A1 Tax Corp
Street Address: 504 E 38Th St
City: Anderson
State: IN
Zip: 46013
Phone: [765] 640-1040

Company: Gmac Mortgage Corporation
Street Address: 9 Town Center Plz
City: Anderson
State: IN
Zip: 46016
Phone: [765] 643-7103


Click here for more Indiana credit card debt management companies.
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