Payday Loans in Needham, Indiana

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

Company nameAddressZip codePhone number
Thrivent Financial-Lutherans 259 Indiana Ave, Valparaiso, IN 46383 +1 (219) 714 - 8263
Kemper CPA Group LLP - Accounting & Tax Services 414 IN-57, Washington, IN 47501 +1 (812) 254 - 0938
Advance America 2304 State St, New Albany, IN 47150 +1 (812) 944 - 4630
Walmart Money Center 3167 IN-3, New Castle, IN 47362 +1 (765) 529 - 5990
Check Into Cash 500 N Broadway, Peru, IN 46970 +1 (765) 473 - 7734
Cash In A Flash US-41, Crown Point, IN 46307 +1 (219) 374 - 9952
First Farmers Bank & Trust 101 W Sycamore St, Kokomo, IN 46901 +1 (765) 252 - 1738
First Bank Princeton Branch 2820 W Broadway St, Princeton, IN 47670 +1 (812) 386 - 8463
David Wiese - State Farm Insurance Agent 104 E Jackson St 2, Attica, IN 47918 +1 (765) 762 - 6151
Advance America 2519 IN-44, Shelbyville, IN 46176 +1 (317) 398 - 6274

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Needham, IN, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Anderson, IN, 24-Hour Loan in Bloomington, IN, Same Day Loans in Carmel, IN, Payday Loans in Columbus, IN, Payday Loans in Elkhart, IN, Payday Loans in Evansville, IN, Payday Loan Companies in Fishers, IN and Payday Loan Without a Credit Check in Fort Wayne, 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 Needham, IN.

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

46162

Are Payday Loans Legal In Needham, 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%

Needham, IN payday loan calculator

What You Need to Know About Payday Loans in Needham, Indiana

Are you facing an unexpected expense and need cash fast? Payday loans may be the solution you’re looking for. In Needham, Indiana, payday loans are a legal and accessible option for those who need to borrow money quickly, but it’s important to fully understand the terms and risks before filling out an application. In this article, we will cover everything you need to know about payday loans in Needham, Indiana.

How Payday Loans Work

Payday loans are a type of short-term loan that typically must be repaid within two to four weeks, or on your next payday. They are often used by those who need to cover unexpected expenses, such as a car repair or medical bill, and don’t have enough money saved to pay for it. Unlike traditional loans, which rely on credit history and income to determine eligibility, payday lenders typically only require proof of income and identification.

Payday Loan Regulations in Needham, Indiana

Payday loans are legal in Indiana, but there are regulations in place to protect borrowers from excessive fees and interest rates. In Needham, borrowers can typically borrow up to $550, with a maximum finance charge of 15% on the first $250 borrowed, 13% on the amount between $251 and $400, and 10% on amounts over $400. Loans must be repaid within 14 days, and lenders are not allowed to charge more than $20 for non-sufficient funds (NSF) fees.

It is important to note that borrowers should only take out a payday loan if they are confident that they will be able to repay the loan on time. Failing to do so can result in additional fees, and can even lead to a cycle of debt.

Benefits of Payday Loans in Needham, Indiana

  • Quick access to cash when you need it most
  • Less stringent eligibility requirements than traditional loans
  • No collateral required

Risks of Payday Loans in Needham, Indiana

  • High interest rates and fees
  • Short repayment periods
  • Potential for a cycle of debt
  • May negatively impact credit score if not paid on time

Facts and Statistics on Payday Loans in Needham, Indiana

  • As of 2021, the average APR for payday loans in Indiana was 382%, according to the Indiana Department of Financial Institutions.
  • In 2020, Indiana borrowers took out an average of 2.8 payday loans, with an average loan size of $410 per loan.
  • According to a report from the Consumer Financial Protection Bureau, 80% of payday loans are either rolled over or followed by another loan within 14 days.

Applying for a Payday Loan in Needham, Indiana

If you’ve decided that a payday loan is the right option for you, TheGuaranteedLoans can help. As a connector service, we work with a network of reputable lenders who can offer you competitive rates and terms. To apply for a payday loan, simply fill out our online application form, and we will connect you with lenders who can meet your needs. Remember, it is important to read and fully understand the terms and conditions of any loan you are considering before signing on the dotted line.

When it comes to borrowing money, it’s important to weigh all the options available to you and choose the one that is best suited to your individual circumstances. Payday loans can be a helpful and accessible option for those who need cash quickly, but it’s important to fully understand the terms and risks before applying. If you have any questions or concerns about payday loans in Needham, Indiana, reach out to TheGuaranteedLoans today.

F.A.Q.

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

If you are having trouble repaying your payday loan in Needham, 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.

Are there any alternatives to payday loans in Needham, Indiana?

Yes, there are several alternatives to payday loans in Needham, Indiana, including credit unions, community banks, and online lending platforms. These options may offer lower interest rates and more flexible repayment terms.