Payday Loans in Ridgeville, Indiana

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Huth Thompson LLP 311 E Drexel Pkwy, Rensselaer, IN 47978 +1 (219) 866 - 5196
Southwest Funding LP 300 E Broadway 101, Logansport, IN 46947 +1 (574) 516 - 1725
Lake City Bank 1470 Lincolnway S, Ligonier, IN 46767 +1 (260) 894 - 3158
Chase Bank 1600 N Morton St, Franklin, IN 46131 +1 (317) 736 - 2472
Thrivent Financial for Lutherans 10 W Jennings St, Newburgh, IN 47630 +1 (812) 962 - 4852
Check Into Cash 1530-A Cassopolis St, Elkhart, IN 46514 +1 (574) 264 - 3900
Citizens State Bank 1238 Broad St, New Castle, IN 47362 +1 (765) 529 - 5450
ACE Cash Express 1115 E 86th St, Indianapolis, IN 46240 +1 (317) 475 - 0197
Lake City Bank 205 E Main St, Medaryville, IN 47957 +1 (219) 843 - 2141
Check Into Cash 630 E Diamond Ave, Evansville, IN 47711 +1 (812) 423 - 3880

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ridgeville, IN, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Gary, IN, Same Day Loans in Goshen, IN, Payday Loans in Granger, IN, Payday Loans in Greenwood, IN, Payday Loans in Guilford, IN, Online Loans in Hammond, IN, Bad Credit 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 Ridgeville, IN.

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

47380

Are Payday Loans Legal In Ridgeville, 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%

Ridgeville, IN payday loan calculator

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

Life can be unpredictable, and even the most financially responsible individuals might find themselves in need of quick cash. When unexpected expenses pop up, like medical bills or car repairs, it can be challenging to make ends meet.

What are payday loans?

Payday loans are short-term loans that usually range in value from $100 to $1,000. They’re designed to provide a cash advance to borrowers who need quick money, typically due to an unexpected financial situation that could happen between paychecks. The loan is typically due on the borrower’s next payday, hence the name “payday loan.”

Are payday loans legal in Indiana?

Yes, payday loans are legal in Indiana, including Ridgeville. However, Indiana state law regulates the payday loan industry to protect consumers, including the following regulations:

  • Maximum loan amount: $550
  • Maximum finance charge: 15% for the first $250; 13% for $250.01 – $400; and 10% for $400.01 – $550
  • Maximum loan term: 14 days
  • Loan extensions: One permitted, but after paying off an additional fee
  • Cool-off period: 7 days after six consecutive loans
  • Rollovers: Not permitted

It’s essential to work with a reputable lender to ensure that the borrower is aware of all the terms and details of the loan before committing to it.

Things to consider before applying for a payday loan in Ridgeville, Indiana

Before applying for a payday loan, several things should be considered to ensure that this type of loan is the best option for the borrower’s financial situation. Here are several primary factors to keep in mind:

  • Interest rates and fees: Interest rates and fees can vary based on the amount borrowed, loan duration, and other factors. Indiana has a regulatory maximum amount that lenders can charge to consumers per terms specified above, but it’s still essential to shop around and compare interest rates before committing to a lender.
  • Eligibility: Not all payday loan lenders in Ridgeville, Indiana provide loans to all people. The eligibility requirements can vary from lender to lender, so it is best to research which lenders are the best match for your financial situation.
  • Credit Score: Payday loan lenders usually don’t take a borrowers’ credit score into account when determining eligibility for a loan. It makes payday loans one of the options for those struggling with bad credit.
  • Alternatives: Although payday loans can be a helpful option in an emergency, they aren’t the only financial assistance available. Borrowers should consider other options, such as asking for a salary advance from their employer, using a credit card, or, in some cases, borrowing from friends or family members.

Interesting facts and statistics on payday loans in Indiana

  • In 2016, the average payday loan was $304, and the average finance charge was $51 in Indiana.
  • Indiana’s 262 payday lenders gave 2.5 million loans to customers, worth more than $550 million in 2017.
  • According to a survey conducted by the Federal Reserve, 40% of Americans would need to borrow money or sell something to cover an unexpected $400 emergency expense.

Apply now for a payday loan in Ridgeville, Indiana

At TheGuaranteedLoans, we’re here to help you connect with a trustworthy payday loan lender in Ridgeville, Indiana, and provide you with the cash you need to cover your unexpected expenses. We aren’t direct lenders, but we connect clients with lenders who can provide them with the assistance they need. Applying takes just a few minutes, and funds can be available in as little as one business day. Fill out our online application today to get started!

F.A.Q.

Can I still qualify for a payday loan if I have bad credit?

Yes, payday loans do not require a credit check, so borrowers with bad credit can still qualify for a payday loan in Ridgeville, Indiana.

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

in Ridgeville, Indiana, payday loans must be repaid in full on the due date, which is typically the borrower's next payday. The lender will automatically withdraw the loan amount and fees from the borrower's checking account on the due date.