Payday Loans in Ambia, Indiana

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No payday loan companies in Ambia, IN. Consider companies in other cities:

Company nameAddressZip codePhone number
CFSC Speedy Check Cashers 803 W Chicago Ave, East Chicago, IN 46312 +1 (219) 398 - 6922
Eagle 2632 Lake Cir Dr Space 7, Indianapolis, IN 46268 +1 (317) 231 - 5600
Green Bank 1801 N Greensburg Crossing, Greensburg, IN 47240 +1 (812) 527 - 2470
STAR Video Banking 310 Main St, Shirley, IN 47384 +1 (888) 395 - 2447
Pay Day USA 761 N State St, North Vernon, IN 47265 +1 (812) 352 - 9852
Check n' Go 2048 E Ireland Rd., # B, South Bend, IN 46614 +1 (574) 231 - 8888
Card Payment Solutions 1184 Rosenberger Rd, Madison, IN 47250 +1 (812) 427 - 2142
Advance America 543 Coliseum Blvd E, Fort Wayne, IN 46805 +1 (260) 484 - 0514
First Financial Bank 1850 Marketplace Blvd, Shelbyville, IN 46176 +1 (317) 398 - 5626
First Financial Bank 102 S Main St, Hymera, IN 47855 +1 (812) 383 - 4933

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ambia, IN, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Gary, IN, Payday Loans in Goshen, IN, Same Day Loans in Granger, IN, Payday Loan Without a Credit Check in Greenwood, IN, Emergency Loan in Guilford, IN, Payday Loans in Hammond, IN, Payday Loan Companies in Indianapolis, IN and Payday Loan Without a Credit Check in Jeffersonville, IN. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Ambia, IN.

Payday Loans Available in Ambia, IN By The Following ZIP Codes:

47917

Are Payday Loans Legal In Ambia, Indiana?

Loan Rates and Fees, Laws and Regulations in Indiana.

Indiana Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)382
Maximum Loan Amount$550
Minimum Loan Term14 days
Maximum Loan TermNot Specified
Number of Rollovers Allowed0
Finance Charges<$250 = 15% $250 - $400 = 13% $400 - $500 = 10%

Ambia, IN payday loan calculator

Payday Loans in Ambia, Indiana: A Complete Guide

When you are in need of cash and your next payday is still weeks away, a payday loan can be a lifesaver. Payday loans are small-dollar, short-term loans that can help you make ends meet until your next paycheck arrives. While payday loans can be a useful tool for managing cash flow, they are not without controversy. Some critics argue that payday loans exploit vulnerable consumers and trap them in an endless cycle of debt. In this article, we will provide a comprehensive guide to payday loans in Ambia, Indiana, their benefits and drawbacks and how to apply for them.

What are Payday Loans in Ambia, Indiana?

Payday loans are a legal form of credit in Indiana. These loans are typically marketed as a short-term solution to a financial emergency, such as an unexpected car repair or medical bill, and are designed to be repaid in full when your next paycheck arrives.

In Indiana, the maximum amount you can borrow in a payday loan is $550, and you must repay the loan within 14 days. Additionally, Indiana law requires lenders to disclose all loan terms and fees upfront and caps the interest rates on payday loans at 15% for the first $250 borrowed and 13% for loans between $251 and $400. For loans between $401 and $500, the interest rate is capped at 10%.

The Benefits of Payday Loans in Ambia, Indiana

  • Quick and convenient: Payday loans can be a quick and straightforward way to get cash when you need it most.
  • Easy to qualify: Payday lenders typically have minimal eligibility requirements, making them accessible to almost everyone.
  • No credit check: Payday lenders do not typically conduct a credit check, which means even if you have bad credit, you may still be eligible for a payday loan.

The Drawbacks of Payday Loans in Ambia, Indiana

  • High interest rates and fees: Payday loans come with much higher interest rates and fees than other forms of credit, and if you cannot repay the loan on time, these costs can quickly spiral out of control.
  • Debt trap: Many borrowers find themselves trapped in a cycle of debt, borrowing more money each month to repay the previous loan.
  • Legal issues: If you cannot repay a payday loan in full and on time, the lender can take legal action against you and even garnish your wages.

How to Apply for a Payday Loan in Ambia, Indiana?

Applying for a payday loan in Ambia, Indiana is a simple process that typically involves the following steps:

  • Find a lender:
  • Research online or in-person to find a reputable payday lender. Make sure you read reviews and compare interest rates and fees before choosing a lender.

  • Complete the application:
  • Fill out an online or in-person application with the lender. You will typically need to provide your name, contact information, employment details, and banking information.

  • Provide documentation:
  • Most lenders will require proof of income and identification, such as a driver’s license or passport.

  • Receive funds:
  • If you are approved for a payday loan, the lender will either deposit the funds into your bank account or give you cash on the spot.

  • Repay the loan:
  • You will need to repay the loan in full, including any fees and interest, by the due date. If you cannot afford to repay the loan, you may be able to roll it over, but this will incur additional fees and interest.

Apply Now for a Payday Loan at TheGuaranteedLoans.com

At TheGuaranteedLoans, we make it easy for you to apply for a payday loan online. Simply fill out our online application form, and we will connect you with potential lenders who can offer you a loan that fits your needs and budget. We are a connector service, not a direct lender, which means we work with a network of trusted lenders to find you the best rates and terms on your payday loan. Apply now and get the cash you need today!

Interesting Facts about Payday Loans in Ambia, Indiana

  • Indiana has one of the highest payday loan usage rates in the country, with more than one in 10 residents taking out a payday loan each year.
  • According to a study by the Pew Charitable Trusts, the average payday loan borrower takes out eight loans per year and spends an average of $520 on fees alone.
  • The Federal Trade Commission has warned consumers to be wary of payday loans, citing the high interest rates and fees and the risk of falling into a cycle of debt.

F.A.Q.

What information do I need to provide in order to apply for a payday loan in Ambia, Indiana?

To apply for a payday loan in Ambia, Indiana, you will need to provide proof of income, a valid government-issued ID, and your bank account information.

How do I repay my payday loan in Ambia, Indiana?

Payday loans in Ambia, Indiana are typically repaid through automatic withdrawal from the borrower's bank account on the due date.