Payday Loans in Clear Creek, Indiana

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

Company nameAddressZip codePhone number
First Federal Savings Bank 648 N Jefferson St, Huntington, IN 46750 +1 (260) 356 - 3311
Indianapolis Payday Loans 534 N Oriental St, Indianapolis, IN 46202
CFSC Speedy Check Cashers 803 W Chicago Ave, East Chicago, IN 46312 +1 (219) 398 - 6922
BMO Harris Bank 790 E Lincoln Highway U, S. 30, Schererville, IN 46375 +1 (219) 322 - 8203
Cash King 1601 E Main St, Plainfield, IN 46168 +1 (317) 559 - 2274
First State Bank Loan Production Office Only, 4101 Edison Lakes Pkwy, Mishawaka, IN 46545 +1 (574) 807 - 8256
Chase Bank 651 E Commercial Ave, Lowell, IN 46356 +1 (219) 696 - 8981
Kyle Benedict Fairway Independent Mortgage Corporation Loan Officer 17819 Commerce Dr, Westfield, IN 46074 +1 (317) 250 - 9617
Hoosier Hills Credit Union 8487 W College St, French Lick, IN 47432 +1 (812) 936 - 7800
Woodforest National Bank 30830 Old U.S. 20, Elkhart, IN 46514 +1 (574) 675 - 9531

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Clear Creek, IN, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Plainfield, IN, Payday Loans in Portage, IN, No Credit Check Loans in Richmond, IN, Payday Loans in South Bend, IN, Payday Loans in Terre Haute, IN, Payday Loans in Valparaiso, IN, Payday Loans in West Lafayette, IN and Payday Loans in Westfield, 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 Clear Creek, IN.

Are Payday Loans Legal In Clear Creek, 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%

Clear Creek, IN payday loan calculator

Payday Loans in Clear Creek, Indiana: A Comprehensive Guide

Payday loans have become increasingly popular in Clear Creek and across Indiana in recent years. These short-term loans offer a quick solution for those who need cash immediately due to unexpected expenses or emergencies. Although there are some risks involved, payday loans can also be a helpful financial tool if used responsibly. In this comprehensive guide, we will provide you with everything you need to know about payday loans in Clear Creek, Indiana.

How do Payday Loans in Clear Creek Work?

Payday loans are also known as cash advances, paycheck advances, or check loans. The process is relatively simple: borrowers typically write a post-dated check for the amount they need (plus any fees) and receive cash on the spot. The loan is due on the next payday of the borrower, which is usually two weeks to four weeks after the loan is obtained. The fees and interest rates vary by lender and state laws, so it is important to read the terms carefully.

Are Payday Loans Legal in Clear Creek?

In Indiana, payday loans are legal with some regulations. The maximum amount you can borrow is $550 or 20% of your gross monthly income, whichever is less. The maximum interest rate is 15% for the first $250 borrowed, 13% for additional amounts between $251 and $400, and 10% for the rest. The loan term cannot exceed 31 days. Lenders are required to obtain a license from the Indiana Department of Financial Institutions, and borrowers have the right to cancel the loan within 72 hours without any charge.

What are the Risks of Payday Loans?

While payday loans can be helpful in some situations, they come with risks that borrowers should be aware of. One major concern is the high cost of borrowing, as the fees and interest rates can quickly add up. This can lead to a cycle of debt if the borrower is unable to repay the loan in full on the due date. Additionally, payday loans do not help build credit and can damage credit scores if not paid back on time.

How can I Apply for a Payday Loan in Clear Creek?

Applying for a payday loan in Clear Creek is easy with TheGuaranteedLoans. Our website connects you with potential lenders who can provide you with the cash you need. Simply fill out our online form, and we will match you with lenders who meet your criteria. We are not a direct lender, but a connector service that streamlines the loan application process. It is important to read the terms carefully and be aware of the fees and interest rates before agreeing to any loan.

Interesting Facts and Statistics about Payday Loans in Clear Creek, Indiana

  • Clear Creek is home to over 1,000 people and is part of Monroe County.
  • The median household income in Clear Creek is $66,116, which is higher than the state average.
  • A study by the Indiana Institute for Working Families found that payday lenders in Indiana charge an average interest rate of 382%, which is one of the highest in the country.
  • According to the Consumer Financial Protection Bureau, the average payday loan borrower takes out 10 loans per year and spends 199 days in debt.
  • Indiana has taken steps to regulate payday loans, including creating a database to track loans and prohibiting lenders from making loans to borrowers who already have a balance due.

Apply Now

If you are in need of a payday loan in Clear Creek, Indiana, TheGuaranteedLoans can help. Our online application process is quick and easy, and we will connect you with potential lenders who meet your criteria. Remember to read the terms carefully and be aware of the fees and interest rates before agreeing to any loan.

F.A.Q.

Are there any limits on the interest rates that can be charged on payday loans in Clear Creek, Indiana?

Yes, in Clear Creek, Indiana, payday lenders are not allowed to charge interest rates higher than 15% per year on payday loans.

Can I roll over or renew my payday loan in Clear Creek, Indiana?

No, in Clear Creek, Indiana, payday lenders are not allowed to offer rollovers or renewals on payday loans. Borrowers are expected to pay off their payday loans in full by the end of the loan term.