Payday Loans in Oxford, Indiana

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

Company nameAddressZip codePhone number
Via Credit Union 310 Huggins Dr, Hartford City, IN 47348 +1 (765) 348 - 1215
First Farmers Bank & Trust 1004 Cass St, Wabash, IN 46992 +1 (260) 563 - 1196
Thrivent Financial for Lutherans 306 Cherry St, Lizton, IN 46149 +1 (317) 863 - 7516
Pay Day Loans 523 W McKinley Ave, Mishawaka, IN 46545 +1 (574) 257 - 9948
Check Into Cash 504 Greensburg Commons Shopping Center, Greensburg, IN 47240 +1 (812) 663 - 9991
Green Bank 1801 N Greensburg Crossing, Greensburg, IN 47240 +1 (812) 527 - 2470
Advance America 10930 Pendleton Pike Ste. 105, Indianapolis, IN 46236 +1 (317) 823 - 3994
Nicholas Financial Inc 6904 S East St B, Indianapolis, IN 46227 +1 (317) 791 - 9850
The National Bank of Indianapolis - OneAmerica Building Banking Center 1 American sq, 100, Indianapolis, IN 46282 +1 (317) 261 - 3250
Payday Loans Hammond

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oxford, IN, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Anderson, IN, Payday Loan for Bloomington, IN, Payday Loans in Carmel, IN, Payday Loans in Columbus, IN, Payday Loans in Elkhart, IN, Bad Credit Loans in Evansville, IN, Payday Loans in Fishers, IN and Payday Loans 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 Oxford, IN.

Beautiful sights of Oxford, IN

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

47671, 47971

Are Payday Loans Legal In Oxford, 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%

Oxford, IN payday loan calculator

Understanding Payday Loans in Oxford, Indiana: A Comprehensive Guide

If you find yourself in need of quick cash to cover unexpected expenses, a payday loan may seem like an attractive option. However, it is important to understand the specifics and risks associated with payday loans in Oxford, Indiana. In this article, we will explore what payday loans are, how they work in Indiana, and what alternatives you can consider.

What are payday loans?

Payday loans are short-term loans typically used by borrowers to cover unexpected expenses between paychecks. They are designed to be repaid within two to four weeks, often with high interest rates and fees.

In Oxford, Indiana, payday loans are legal and regulated by the Indiana Department of Financial Institutions. While these loans can offer quick access to cash, it is crucial to carefully consider all of the terms and fees associated with them in order to make an informed decision.

How do payday loans work in Indiana?

Indiana law allows lenders to provide payday loans to borrowers as long as the loan amount does not exceed $550. The interest rate on payday loans can reach up to 391%, making them one of the most expensive forms of credit.

To obtain a payday loan in Oxford, Indiana, borrowers must provide a postdated check or authorization for electronic debit to cover the loan amount plus any fees charged by the lender. If the borrower is unable to repay the loan on the due date, the lender may extend the loan for additional fees.

What are the risks of payday loans?

While payday loans can offer quick cash, they often come with high fees and interest rates that can lead to a cycle of debt. Borrowers who are unable to repay the loan on time may be subject to additional fees, penalties, and even legal action.

It is crucial to carefully review the terms of a payday loan before accepting it and to consider alternatives if possible. Some alternatives to payday loans include contacting your creditors to negotiate a payment plan or seeking help from a non-profit credit counseling agency.

Apply Now

If you are considering a payday loan in Oxford, Indiana, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we are not a direct lender and do not make credit decisions. However, we can help streamline the borrowing process and connect you with lenders who may be able to provide the funds you need.

To apply for a payday loan through TheGuaranteedLoans, simply visit our website and fill out our online application. We will ask for basic personal and financial information, and will match you with potential lenders based on your qualifications. If you are matched with a lender, you will receive information on the loan terms and fees, and can make an informed decision on whether to accept the loan.

Interesting Facts and Statistics about Payday Loans in Oxford, Indiana

– In 2019, Indiana payday lenders issued more than 1.3 million loans, totaling over $400 million in loan volume.
– The average payday loan in Indiana is for $383 and carries an interest rate of 391%.
– 88% of payday loan borrowers in Indiana take out multiple loans per year, often to pay off existing loans.

Conclusion

Payday loans can offer quick access to cash but often come with high fees and interest rates. If you are considering a payday loan in Oxford, Indiana, it is important to carefully review all of the terms and risks associated with these loans and to consider alternatives if possible. With TheGuaranteedLoans, you can apply for a payday loan and be connected with potential lenders, but remember to borrow responsibly and never borrow more than you can afford to repay.

F.A.Q.

Is it possible to negotiate the terms of a payday loan in Oxford, Indiana?

Yes, it may be possible to negotiate the terms of a payday loan in Oxford, Indiana, such as the interest rate or repayment schedule. It is important to communicate with the lender and clearly explain your financial situation in order to negotiate a more favorable agreement.

What should I do if I feel that a payday lender in Oxford, Indiana is acting illegally or unfairly?

If you feel that a payday lender in Oxford, Indiana is acting illegally or unfairly, you can file a complaint with the Indiana Department of Financial Institutions. This agency is responsible for regulating payday lenders in the state and will investigate any complaints received.