Payday Loans in Quincy, Indiana

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

Company nameAddressZip codePhone number
Check Into Cash 837 N 13th St, Decatur, IN 46733 +1 (260) 728 - 4237
Northwest Bank 612 S Huntington St, Syracuse, IN 46567 +1 (574) 457 - 4989
Old National Bank 407 S Main St, Clinton, IN 47842 +1 (765) 828 - 2918
Raymond James Financial Services 306 Main St, Rockport, IN 47635 +1 (812) 649 - 2360
Woodforest National Bank 3167 IN-3, New Castle, IN 47362 +1 (765) 521 - 0587
Credit Til Payday 62 Doughty Rd #1b, Lawrenceburg, IN 47025 +1 (812) 539 - 2274
jiffi 803 Lincoln Way W, South Bend, IN 46616 +1 (574) 400 - 5258
Advance America 3271 W 3rd St, Bloomington, IN 47404 +1 (812) 334 - 2648
Old National Bank 25 E Washington St, Greencastle, IN 46135 +1 (765) 658 - 1200
Regions Bank 1910 W Broadway St, Princeton, IN 47670 +1 (812) 386 - 7777

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Quincy, IN, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Gary, IN, Payday Loans in Goshen, IN, 24-Hour Loan in Granger, IN, Payday Loan for Greenwood, IN, Payday Loans in Guilford, IN, Payday Loans in Hammond, IN, Quick Loan in Indianapolis, IN and No Credit Check 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 Quincy, IN.

Are Payday Loans Legal In Quincy, 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%

Quincy, IN payday loan calculator

Payday Loans in Quincy, Indiana: Your Guide to Quick, Short-Term Borrowing

Payday loans can be a lifesaver for anyone who needs quick access to cash. Unlike traditional loans, which can take weeks or months to process, payday loans offer quick, short-term borrowing options for people who need money right away. But, before you decide to take out a payday loan, there are a few things you should know.

What are Payday Loans?

Payday loans are high-interest, short-term loans that are typically due on the borrower’s next payday. They are often used to cover unexpected expenses or emergencies, such as car repairs or medical bills. Payday lenders typically do not conduct credit checks, making these loans an option for people with poor credit or no credit history.

Are Payday Loans Legal in Quincy, Indiana?

Yes, payday loans are legal in Indiana, including Quincy. While some states have stricter laws regulating payday lending, Indiana allows payday loans up to $550 with a repayment period of no more than 31 days. Borrowers are not permitted to have more than two outstanding loans at a time, and lenders cannot charge more than 15% interest on loans under $250 or 13% interest on loans between $251 and $400. For loans between $401 and $500, the interest rate cannot exceed 10%.

How Do Payday Loans Work?

The process of obtaining a payday loan is relatively simple. You can either apply in-person at a payday loan store or complete an online application. You will need to provide proof of income, such as a pay stub or bank statement, and a government-issued ID. If approved, you will receive the money you borrowed, minus the lender’s fees, either in cash or via direct deposit into your bank account. On your next payday, the loan amount plus interest and fees will be automatically deducted from your bank account.

The Pros and Cons of Payday Loans

  • Pros: Payday loans offer quick access to cash and do not require a credit check. They can be a good option for people who need money for unexpected expenses.
  • Cons: Payday loans come with high interest rates and fees, which can make them difficult to repay. They can also lead to a cycle of debt if borrowers are unable to repay the loan on time.

Interesting Facts and Statistics About Payday Loans in Quincy, Indiana

  • The average payday loan in Indiana is $382, with an average fee of $55.
  • Indiana has some of the least restrictive payday lending laws in the country.
  • According to a report by the Consumer Financial Protection Bureau, more than 80% of payday loans in Indiana are taken out within two weeks of paying off a previous payday loan.

Apply Now

Are you in need of a payday loan in Quincy, Indiana? TheGuaranteedLoans can help connect you with potential lenders. We are not a direct lender, but a connector service dedicated to helping you find the right loan option. Complete our online application now, and we’ll help you get the money you need quickly, with no hassle or headaches.

Remember, payday loans are a short-term borrowing option. Always consider the pros and cons before taking out a loan, and make sure you can repay the loan on time to avoid additional fees and interest charges.

F.A.Q.

Can I be charged with criminal charges for not repaying a payday loan in Quincy, Indiana?

No, Indiana state law prohibits lenders from pursuing criminal charges against borrowers who are unable to repay their payday loans.

What should I do if I am having trouble repaying my payday loan in Quincy, Indiana?

If you are having trouble repaying your payday loan in Quincy, Indiana, it is important to communicate with the lender and try to work out a repayment plan. You may also want to seek advice from a financial counselor or legal professional.