Payday Loans in Guilford, Indiana

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

Company nameAddressZip codePhone number
Alliance Bank 209 Rickey Rd, Monticello, IN 47960 +1 (574) 583 - 8885
Check Into Cash 4024 Elkhart Rd #4, Goshen, IN 46526 +1 (574) 875 - 4597
Kemper CPA Group LLP - Accounting & Tax Services 722 N Grand Ave, Connersville, IN 47331 +1 (765) 825 - 4181
Via Credit Union 4505 S Adams St, Marion, IN 46953 +1 (765) 674 - 6631
Cash Indiana, Inc 855 Central Ave 1512, Lake Station, IN 46405 +1 (219) 962 - 5626
AFC Automotive Finance Corp. 2950 E Main St, Plainfield, IN 46168 +1 (317) 838 - 8022
Check n' Go 1921 E 53rd St, Anderson, IN 46013 +1 (765) 622 - 7777
Northwest Bank 147 W Broad St, Lyons, IN 47443 +1 (812) 659 - 9966
Friendship State Bank 405 Main St, Rising Sun, IN 47040 +1 (812) 667 - 5101
The Fountain Trust Company 110 E Washington St, Waynetown, IN 47990 +1 (765) 234 - 1710

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Guilford, IN, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Hammond, IN, Payday Loans in Indianapolis, IN, Payday Loans in Jeffersonville, IN, No Credit Check Loans in Kokomo, IN, Payday Loan Without a Credit Check in Lafayette, IN, Payday Loan Without a Credit Check in Merrillville, IN, Same Day Loans in Michigan City, IN and Payday Loans in Mishawaka, 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 Guilford, IN.

Beautiful sights of Guilford, IN

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

47022

Are Payday Loans Legal In Guilford, 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%

Guilford, IN payday loan calculator

Payday Loans in Guilford, Indiana: A Comprehensive Guide

Payday loans are a popular form of short-term lending widely used across Indiana, including the town of Guilford. In Guilford, Indiana, payday loans are legal and regulated by state laws. If you’re considering taking out a payday loan in Guilford, read on for a comprehensive guide on payday loans.

What Are Payday Loans?

Payday loans are a type of short-term credit. They are usually small amounts of cash used as a stop-gap when you need cash in a hurry. Payday loans are unsecured loans, meaning they don’t require collateral, and the borrower’s credit history is not a primary factor in determining whether or not they get a payday loan.

The typical amount borrowed ranges from $100 to $1,500. However, this amount can vary depending on state laws and the lender’s policy. The loan term is usually between 14 and 31 days, depending on the lender. The repayment date is usually scheduled on the borrower’s next payday or income date.

The Application Process

The process of applying for a payday loan in Guilford is quite simple, and you can do it online. The first step is to find a trusted lender. Look for companies that have a good reputation and are licensed to operate in Indiana. You should also check the lender’s terms and conditions to make sure you understand all the costs associated with the payday loan.

Once you have found a suitable lender, you fill out an online application form. The form will ask for basic personal information, including your name, address, date of birth, and employment information. The lender will then review your application and decide whether or not to approve the loan.

If your application is approved, the lender will transfer the funds directly to your bank account, usually within one business day.

Benefits of Payday Loans

  • Quick and easy application process
  • No credit check required
  • Cash available within one business day
  • No restrictions on how loan proceeds can be used

Risks of Payday Loans

  • High fees and interest rates
  • Short repayment term, and if you can’t repay on time, the interest rate can raise significantly
  • The cycle of debt, which can trap you into a cycle of taking out more payday loans to pay off previous ones.

Interesting Facts and Statistics

  • Indiana law allows payday loans up to $550 or 20% of your gross monthly income, with a maximum finance charge of 15% on the first $250 and 13% on amounts over $250.
  • In Indiana, 76% of payday loans are re-borrowed within two weeks of the original loan.
  • The average payday loan amount in Indiana is $308.
  • In 2019, Indiana payday loans reached $309 million in total.

Applying for a Payday Loan

If you decide to apply for a payday loan in Guilford, Indiana, TheGuaranteedLoans service offers a simple and secure way to connect with lenders. Fill out our form on our website with your basic information and click Submit. We will then send your information to our network of potential lenders, and you will be matched with a lender who meets your criteria.

Remember, TheGuaranteedLoans is not a direct lender. We provide a service for connecting borrowers with a lender who can provide them with the funds they need. Don’t hesitate to reach out to us if you have any questions about payday loans or our service.

In conclusion, payday loans in Guilford, Indiana can be a helpful way to get cash in a hurry. However, make sure you understand all the costs and risks involved before taking out a payday loan. It’s crucial to only borrow what you can afford to repay and not get caught in the cycle of debt.

F.A.Q.

Are there any resources available to help borrowers in Guilford, Indiana manage their payday loan debt?

in Guilford, Indiana, there are several organizations that provide financial education and counseling services to help borrowers manage their payday loan debt. These include the Indiana Financial Literacy Coalition, the Indiana Community Action Association, and the Indiana Asset Building Group.

Can payday lenders in Guilford, Indiana collect debt through criminal action or wage garnishment?

in Guilford, Indiana, payday lenders are prohibited from using criminal action or wage garnishment to collect debt.