Payday Loans in Keystone, Indiana

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

Company nameAddressZip codePhone number
Kroger Money Services 2200 Greenbush St, Lafayette, IN 47904 +1 (765) 447 - 4693
AdvantagePlus of Indiana Federal Credit Union 1122 N Fruitridge Ave, Terre Haute, IN 47804 +1 (812) 231 - 7900
First Financial Bank 1051 W Spring St, Brownstown, IN 47220 +1 (812) 358 - 8129
Mariner Finance 1001 IN-135 B5, Greenwood, IN 46142 +1 (317) 497 - 4033
Centier Bank 3220 Willowcreek Rd, Portage, IN 46368 +1 (219) 763 - 3376
Woodforest National Bank 100 Sycamore Estate Dr, Aurora, IN 47001 +1 (812) 926 - 3159
Old National Bank 128 W Ohio St, Rockville, IN 47872 +1 (765) 569 - 4270
Pay Day USA 607 S Main St, Salem, IN 47167 +1 (812) 896 - 1837
A-1 Cash Advance 8421 Michigan Rd, Indianapolis, IN 46268 +1 (317) 334 - 0000
The National Bank of Indianapolis - Downtown Banking Center 107 N Pennsylvania St 100, Indianapolis, IN 46204 +1 (317) 261 - 9750

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Keystone, IN, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Kokomo, IN, Payday Loans in Lafayette, IN, Same Day Loans in Merrillville, IN, 24-Hour Loan in Michigan City, IN, Payday Loans in Mishawaka, IN, Payday Loans in Muncie, IN, Same Day Loans in New Albany, IN and Guaranteed Loans in Noblesville, 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 Keystone, IN.

Are Payday Loans Legal In Keystone, 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%

Keystone, IN payday loan calculator

Payday Loans in Keystone, Indiana: What You Need to Know

If you live in Keystone, Indiana, and are in need of quick cash, payday loans can be a convenient solution. Payday loans are legal in Indiana, and millions of Americans rely on them to cover emergency expenses or bridge the gap between paychecks. However, before you apply for a payday loan, it is important to understand how they work and what you should consider.

What is a Payday Loan?

A payday loan is a short-term loan lent by a lender against your future paycheck. Typically, payday loans are taken out for small sums and are due on your next payday, often within two weeks. The loan is usually repaid in a single installment and includes the principal amount, interest, and any fees.

How Do Payday Loans Work?

To apply for a payday loan in Keystone, Indiana, it’s typically a pretty straightforward process. You will need to provide the lender with your personal information and proof of income, such as a pay stub or bank statement. The lender may also require a post-dated check or authorization to debit your bank account for the loan amount plus fees on the due date.

Once you’re approved, the payday loan will be deposited into your bank account provided by the lender. You will then have a set amount of time, usually two weeks, to repay the loan. If you can’t afford to make the full payment, the lender may offer you a rollover option. However, this often comes with additional fees, and interest can quickly add up, making it difficult to pay off the loan.

What Do You Need to Consider Before Applying for a Payday Loan?

Before you decide to apply for a payday loan, it’s important to consider several factors:

  • Interest rates: Payday loans typically carry high-interest rates, often more than triple the rate of a traditional loan. It’s important to understand the interest rate and how it will impact your repayment amount.
  • Fees: Many payday lenders also charge fees on top of interest rates, such as origination fees or late payment fees. These fees can add up quickly, increasing the overall cost of the loan.
  • Repayment period: Payday loans are typically due in two weeks. However, you may struggle to repay the loan in full, potentially leading to additional rollover fees or damaging your credit score.
  • Credit score: While payday lenders generally don’t require a credit check, not paying your loan can lead to a negative impact on your credit score. This can make it difficult to secure future loans or credit.

Are Payday Loans in Keystone, Indiana Safe?

In Indiana, payday loans are legal but are regulated by the Indiana Department of Financial Institutions (DFI). The DFI ensures that payday lenders comply with state laws and regulations and can take enforcement action if they fail to do so.

However, it’s important to note that payday loans come with risks. High-interest rates and fees can quickly pile up, and many borrowers end up in a cycle of debt. It’s crucial to read the loan agreement carefully and ensure you can afford to repay the loan before accepting the funds.

Interesting Facts About Payday Loans in Keystone, Indiana

  • Indiana is one of 32 states that have legalized payday loans.
  • The average payday loan in Indiana is $350, with an average interest rate of 382% per year.
  • Indiana law allows for a maximum loan amount of $550 or 20% of the borrower’s gross monthly income, whichever is less.

Apply Now for a Payday Loan in Keystone, Indiana

If you’re in need of quick cash and believe a payday loan may be right for you, TheGuaranteedLoans is here to connect you with potential lenders. Please note, TheGuaranteedLoans is not a direct lender but a connector service. We partner with reputable lenders across the country to provide you with competitive rates and loan options.

It’s fast, easy, and secure to apply with TheGuaranteedLoans. Simply fill out our online application form, and we’ll match you with a lender that meets your needs. Apply now to get started on your payday loan application.

F.A.Q.

Can I apply for a payday loan online in Keystone, Indiana?

Yes, you can apply for a payday loan online in Keystone, Indiana. However, it is important to research the lender and make sure they are licensed to operate in the state.

Are there any protections for borrowers in Keystone, Indiana when it comes to payday loans?

Yes, Indiana state law has several protections in place for payday loan borrowers, including limits on fees and interest rates, and a prohibition on renewing or rolling over loans. Borrowers also have the right to dispute any errors on their loan agreements and seek legal recourse if they feel they have been treated unfairly by a lender.