Payday Loans in Harmony, Indiana

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

Company nameAddressZip codePhone number
MCR Short Stop 6381 Central Ave, Portage, IN 46368 +1 (219) 763 - 4197
Jeff Schneider - Raymond James 2602 N Newton St Ste B, Jasper, IN 47546 +1 (812) 634 - 2400
Chase Bank 4400 E Main St, Richmond, IN 47374 +1 (765) 935 - 3803
Old National Bank 120 N Buffalo St, Warsaw, IN 46580 +1 (574) 549 - 6040
Centier Bank 73 Pine Lake Ave, La Porte, IN 46350 +1 (219) 324 - 6368
Fifth Third Bank & ATM 905 N Green St, Brownsburg, IN 46112 +1 (317) 852 - 6740
Personal Finance Company 520 S Main St, Martinsville, IN 46151 +1 (765) 342 - 6644
KeyBank 816 S Huntington St, Syracuse, IN 46567 +1 (574) 457 - 4449
Cash Tyme 1621 E 10th St, Jeffersonville, IN 47130 +1 (812) 283 - 5626
West End Bank 10 E Main St, Hagerstown, IN 47346 +1 (765) 489 - 4011

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harmony, IN, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Gary, IN, Online Loans in Goshen, IN, Bad Credit Loans in Granger, IN, Quick Loan in Greenwood, IN, Payday Loan for Guilford, IN, Payday Loans in Hammond, IN, No Credit Check Loans in Indianapolis, IN and Payday Loans 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 Harmony, IN.

Beautiful sights of Harmony, IN

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

47853

Are Payday Loans Legal In Harmony, 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%

Harmony, IN payday loan calculator

What are Payday Loans in Harmony, Indiana?

Payday loans are a type of short-term borrowing available in Harmony, Indiana. These loans are typically designed to help individuals cover unexpected expenses until their next payday. Payday loans can be helpful in urgent situations where you find yourself in need of quick cash. These loans are only meant to be taken out for a short period of time, typically a few weeks or until your next payday.

Are Payday Loans Legal in Indiana?

Yes, payday loans are legal in Indiana. The state of Indiana has enacted specific laws that regulate payday loans, which can be found in the Indiana Code 24-4.5-7. Indiana law limits the amount of money that can be borrowed as a payday loan to $550.00 or less. You should be aware of the risks and additional fees associated with payday loans.

How do Payday Loans Work in Harmony, Indiana?

In Harmony, Indiana, payday loans typically work like this: you visit a payday lender, fill out an application, and receive the cash you need on the spot. The lender will then expect to be repaid the loan amount, plus fees and interest, on your next payday. The amount of fees and interest associated with payday loans in Indiana is regulated by state law.

It is important to understand the terms and conditions of the loan before agreeing to borrow money. Payday loans can be a costly way to borrow money, so it is important to understand the fees and costs associated with these loans before signing on the dotted line. You should also be able to take out a payday loan without having to provide collateral.

What are the Risks of Payday Loans in Harmony, Indiana?

Payday loans carry several risks that you should be aware of before deciding to take one out. Some of these risks include:

  • High fees and interest rates. Payday loans in Indiana can be quite expensive. You may be charged up to 391% APR on a payday loan in the state of Indiana. This can make it very difficult to repay the loan on time.
  • Short repayment periods. Payday loans are typically only meant to be borrowed for a short period of time, typically a few weeks. This can make it difficult to repay the loan on time, especially if you are already struggling with other bills or expenses.
  • Cycle of debt. Because payday loan fees and interest rates can be high, it can be difficult to repay a payday loan on time. This can lead to a cycle of debt where you take out another loan to cover the cost of the first one.

What Are Some Alternatives to Payday Loans in Harmony, Indiana?

There are several alternatives to payday loans in Harmony, Indiana, that you may want to consider:

  • Credit cards: If you have a credit card, you may be able to use it to cover unexpected expenses. While credit cards can carry high interest rates, they may be a better option than payday loans if you can repay them on time.
  • Personal loans: Personal loans are another option if you need to borrow money. Personal loans may have lower interest rates and more flexible repayment terms than payday loans.
  • Local charities or government programs: Depending on the reason you need money, there may be local charities or government programs that can help you cover expenses.

Interesting Facts and Statistics about Payday Loans in Harmony, Indiana

  • In 2019, Indiana residents took out more than 1.3 million payday loans, totaling over $399 million.
  • The average annual interest rate on a payday loan in Indiana is 391%.
  • Around 70% of borrowers in Indiana use payday loans for recurring expenses like rent, mortgage payments, and utilities.

Apply Now with TheGuaranteedLoans

If you have decided that a payday loan is the right choice for you, TheGuaranteedLoans can help you find a lender in Harmony, Indiana. We offer an online application process that is easy and straightforward. Please note that while TheGuaranteedLoans is not a direct lender, we can facilitate your connection with potential lenders that offer payday loans in Harmony, Indiana.

Apply now and get the cash you need to cover unexpected expenses today!

F.A.Q.

Are there any restrictions on how payday lenders in Harmony, Indiana advertise their services?

Yes, Indiana state law has several restrictions on how payday lenders can advertise their services, including prohibitions on using false or misleading information, targeting vulnerable populations, and using aggressive or harassing sales tactics. Lenders must also clearly disclose all fees and terms of the loan in their advertising.

What are the maximum loan amounts and fees for payday loans in Harmony, Indiana?

in Harmony, Indiana, the maximum loan amount for a payday loan is $550, with a maximum fee of 15% of the loan amount.