Payday Loans in Edwardsport, Indiana

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

Company nameAddressZip codePhone number
Horizon Bank 210 W Lake St, Topeka, IN 46571 +1 (260) 593 - 2414
TCU 1707 E State Rd 14, Rochester, IN 46975 +1 (574) 223 - 8446
Woodforest National Bank 2125 N Morton St, Franklin, IN 46131 +1 (317) 739 - 8221
Allied Cash Advance 5561 S Scatterfield Rd, Anderson, IN 46013 +1 (888) 275 - 0116
Advance America 3540 State Road 38 E, Ste 706, Lafayette, IN 47905 +1 (765) 446 - 9405
Heights Finance Corporation 2468 Getz Rd, Fort Wayne, IN 46804 +1 (260) 432 - 1289
Cash Loans LLC 411 W Washington St, Frankfort, IN 46041 +1 (765) 335 - 5858
World Finance 1262 E Tipton St, Seymour, IN 47274 +1 (812) 405 - 2198
CheckSmart 905 W County Line Rd, Greenwood, IN 46142 +1 (317) 888 - 0011
Top Payday Loans Lafayette 2000 S 22nd St, Lafayette, IN 47905

Payday Loan Companies in Nearby Cities

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

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

47528

Are Payday Loans Legal In Edwardsport, 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%

Edwardsport, IN payday loan calculator

Advise to read before applying

Understanding Payday Loans in Edwardsport, Indiana

If you find yourself in a financial emergency, and you need cash immediately but do not have good credit, then a payday loan might be beneficial. The state of Indiana is one of the many American states that regulate payday loans to ensure that lenders adhere to the rules and regulations for safe lending.

What are Payday Loans?

Payday loans are short-term loans designed to help individuals who need cash urgently before their next paycheck. The loans are unsecured, and borrowers are expected to pay the loan in full upon the agreed date, which is usually within 14 days or a month.

In Indiana, payday loans are legal and regulated by the state. The state has a cap on the maximum amount you can borrow and requires all lenders to have a license.

Who is Eligible for Payday Loans?

As long as you have a steady income, a valid government-issued ID, and a checking account, you can qualify for a payday loan in Indiana. You must also be over 18 years old.

Benefits of Payday Loans

If you find yourself in dire need of cash, a payday loan can provide a quick solution. Besides, payday loans can help you deal with unexpected bills and expenses that you had not budgeted for.

Drawbacks of Payday Loans

One significant disadvantage of payday loans is the high interest rates. Since the loans are unsecured, lenders charge high-interest rates to offset the risks of default. Borrowers who fail to repay the loan on time face high penalties and additional fees, which only adds to their financial burden.

Applying for a Payday Loan

The process of applying for a payday loan is simple and straightforward. You can apply online or visit a lender’s physical location. After providing the necessary information, and the lender approves your application, the funds are usually deposited into your account within 24 hours.

Facts and Statistics about Payday Loans in Edwardsport, Indiana

  • Payday loans are legal in Indiana, and borrowers can borrow up to $550.
  • The maximum loan term is 30 days, and the interest rate is capped at 15% for the first $250, 13% for amounts between $250 and $400, and 10% for amounts between $400 and $500.
  • Indiana has a payday loan database, which tracks borrowers’ loan history and ensures that they do not incur more than the specified debt limit of 20% of borrower’s gross income.
  • In 2019, borrowers in Indiana took out over 1 million payday loans, according to the Indiana Department of Financial Institutions.
  • Indiana has over 1500 licensed payday lenders operating in the state

Apply Now

If you need immediate financial assistance, you can apply for a payday loan on our website. TheGuaranteedLoans is a connector service that connects borrowers with potential lenders. We are not a direct lender, and we do not make loan decisions. However, we ensure that all our lenders are licensed and comply with the state regulations.

Remember that payday loans are a short-term financial solution, and borrowers must weigh the pros and cons before committing to borrowing. If you are unsure about the terms and conditions of the loans, it’s best to consult a financial advisor.

F.A.Q.

Is there a minimum loan term for payday loans in Edwardsport, Indiana?

Yes, in Edwardsport, Indiana, payday loans must have a minimum loan term of 14 days.

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

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

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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