Payday Loans in Ramsey, Indiana

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

Company nameAddressZip codePhone number
Allied Cash Advance 1405 N National Rd, Columbus, IN 47201 +1 (812) 375 - 9485
Centier Bank 3220 Willowcreek Rd, Portage, IN 46368 +1 (219) 763 - 3376
First Merchants Bank 122 W Washington St, Winchester, IN 47394 +1 (765) 584 - 2501
Check Into Cash 921 E Tipton St, Seymour, IN 47274 +1 (812) 522 - 6852
First Farmers Bank & Trust 112 S California St, Galveston, IN 46932 +1 (574) 699 - 6209
Mid-Southern Savings Bank Fsb 1505 W Main St, Mitchell, IN 47446 +1 (812) 849 - 2092
ProFed Credit Union 506 N Grandstaff Dr, Auburn, IN 46706 +1 (260) 925 - 1550
Raymond James & Associates 1876 Hart St, Vincennes, IN 47591 +1 (812) 882 - 0253
American Mortgage - Lafayette IN 625 S Earl Ave Suite 2, Lafayette, IN 47904 +1 (765) 742 - 4700
Raymond James Financial Services 11890 Broadway, Crown Point, IN 46307 +1 (219) 226 - 2071

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ramsey, IN, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Kokomo, IN, 24-Hour Loan in Lafayette, IN, Payday Loans in Merrillville, IN, Same Day Loans in Michigan City, IN, Payday Loan Without a Credit Check in Mishawaka, IN, Payday Loan for Muncie, IN, Payday Loan Without a Credit Check in New Albany, IN and Payday Loan Without a Credit Check in Noblesville, 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 Ramsey, IN.

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

47161, 47166

Are Payday Loans Legal In Ramsey, 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%

Ramsey, IN payday loan calculator

Payday Loans in Ramsey, Indiana: What You Need to Know

Payday loans are a type of short-term loan that can be used to cover unexpected expenses or get through a financially challenging time. They are readily available in many states, including Indiana, where payday loans are legal.

However, before you consider taking out a payday loan in Ramsey, Indiana, there are some important things you need to know. In this article, we’ll explore the ins and outs of payday loans, including how they work, what the laws are in Indiana, and how to find the best payday loan options for your needs.

What Are Payday Loans?

Payday loans are small loans typically ranging from $100 to $1,000, depending on the state and lender. They are designed to be repaid on the borrower’s next payday. The loan amounts are based on the borrower’s income and ability to repay the loan, rather than credit score or collateral.

Payday loans are often used to cover emergency expenses, such as unexpected medical bills, car repairs, or utility bills. They are also used to bridge the gap between paychecks during financially challenging times.

The Laws on Payday Loans in Indiana

In Indiana, payday loans are legal and regulated by the state. The Indiana Department of Financial Institutions oversees the payday loan industry and enforces regulations to protect consumers.

The maximum loan amount you can borrow in Indiana is $550, and the loan term cannot exceed 31 days. The fees and interest rates charged by lenders are also regulated. Lenders are allowed to charge up to 15% on the first $250 borrowed, 13% on amounts between $251 and $400, and 10% on amounts between $401 and $500.

It’s important to note that Indiana also has a database called the Indiana Deferred Deposit Transaction Database (DDT) that tracks payday loans in the state. Lenders must check the database before issuing a loan to ensure that the borrower doesn’t have more than one outstanding payday loan at a time. This is designed to protect borrowers from falling into a cycle of debt.

How to Find the Best Payday Loan Options in Ramsey, Indiana

Before taking out a payday loan, it’s important to research and compare lenders to find the best option for your individual needs. Here are some tips to help you find the best payday loan options in Ramsey, Indiana:

  • Check the lender’s credentials: Look for a lender that is licensed and accredited by the Indiana Department of Financial Institutions. You can check the department’s website for a list of licensed lenders.
  • Compare fees: Be sure to compare the fees and interest rates charged by different lenders. Remember, lenders in Indiana are regulated, so there are limits to how much they can charge.
  • Read customer reviews: Take the time to read customer reviews of the lender you’re considering. This can provide valuable insight into the lender’s customer service and overall experience.
  • Look for transparency: The lender you choose should be transparent and upfront about their fees, interest rates, and repayment terms. Avoid lenders who are evasive or refuse to provide this information.

Interesting Facts and Statistics

  • The average payday loan in Indiana is $323.
  • Approximately 1 in 10 Hoosier adults have taken out a payday loan in the past five years.
  • The total number of payday loans issued in Indiana decreased from 2.5 million in 2014 to 1.8 million in 2019.

Apply Now for a Payday Loan in Ramsey, Indiana

If you’re in need of a payday loan in Ramsey, Indiana, we’re here to help. TheGuaranteedLoans is a connector service that can help you connect with potential lenders in your area. Simply fill out our online application and we’ll match you with lenders who meet your individual needs. Remember, we’re not a direct lender, but we’ll facilitate the connection between you and potential lenders.

Applying for a payday loan doesn’t have to be stressful. Let TheGuaranteedLoans help you find the best payday loan options in Ramsey, Indiana. Apply now!

F.A.Q.

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

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

Can I be sued for not repaying a payday loan in Ramsey, Indiana?

Yes, if you are unable to repay your payday loan in Ramsey, Indiana, the lender may pursue legal action to recover the funds. It is important to communicate with the lender and try to work out a repayment plan to avoid this outcome.