Payday Loans in Saint Paul, Indiana

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

Company nameAddressZip codePhone number
Cash In A Flash 7210 W 132nd Ave, Cedar Lake, IN 46303 +1 (219) 374 - 9952
CheckSmart 212 E Rudisill Blvd, Fort Wayne, IN 46806 +1 (260) 456 - 3338
Advance America 2205 N Main St a, Bluffton, IN 46714 +1 (260) 824 - 3191
German American Bank ATM 7990 S Professional Drive.., Fort Branch, IN 47648 +1 (812) 482 - 1314
Check n' Go 956 W Main St, Boonville, IN 47601 +1 (812) 897 - 2127
Check Into Cash 2320 Teal Rd W #14, Lafayette, IN 47905 +1 (765) 474 - 6655
Beacon Credit Union 855 N Oak Dr, Plymouth, IN 46563 +1 (574) 936 - 2150
CheckSmart 1711 S Michigan St, South Bend, IN 46613 +1 (574) 287 - 8745
First Financial Bank - Mortgage: Froso Marinakos 2611 Highway Ave, Highland, IN 46322 +1 (219) 972 - 7327
Comfort Keepers Home Care 1719 State St c, La Porte, IN 46350 +1 (219) 224 - 2177

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Paul, IN, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Anderson, IN, Payday Loans in Bloomington, IN, Payday Loans in Carmel, IN, 24-Hour Loan in Columbus, IN, No Credit Check Loans in Elkhart, IN, Payday Loan for Evansville, IN, Guaranteed 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 Saint Paul, IN.

Beautiful sights of Saint Paul, IN

Are Payday Loans Legal In Saint Paul, 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%

Saint Paul, IN payday loan calculator

Payday Loans in Saint Paul, Indiana

If you’re in a financial bind and need cash fast, payday loans can be a solution. Payday loans are small cash advances that can help you cover unforeseen expenses and tide you over until your next paycheck. While they can provide short-term relief, payday loans also carry high fees and interest rates that can make them difficult to pay back.

In this article, we’ll discuss payday loans in Saint Paul, Indiana. We’ll cover the local regulations, requirements, and alternatives to consider.

Legal Status of Payday Loans in Saint Paul, Indiana

Indiana is one of the states in the US where payday loans are legal. There are specific regulations in place to protect consumers from excessive fees and interest rates.

According to the Indiana Department of Financial Institutions, payday loans can’t exceed $550 and must be repaid within 14 days to 30 days. The fee for a payday loan can’t exceed 15% of the amount borrowed. For example, if you borrow $100, the maximum fee would be $15. The APR for a payday loan in Indiana can’t be more than 391%.

Requirements for a Payday Loan in Saint Paul, Indiana

To get a payday loan in Saint Paul, Indiana, you must meet certain requirements. Most loans require:

  • Proof of a steady income
  • An active checking account
  • Be at least 18 years old
  • Proof of residency in Saint Paul, Indiana

It’s important to note that payday lenders may have additional requirements that you must meet.

Alternatives to Payday Loans in Saint Paul, Indiana

While payday loans can be a quick solution to a money problem, they’re not always the best option. The high interest rates and fees can make them difficult to pay back, which can lead to a cycle of debt. It’s essential to consider alternatives to payday loans.

Some alternatives to consider include:

  • Personal loans
  • Credit cards
  • Installment loans
  • Overdraft protection
  • Borrowing from friends or family

Interesting Facts and Statistics about Payday Loans in Saint Paul, Indiana

Did you know that in Indiana, the average payday loan borrower takes out 10 loans a year? That’s because people often find themselves in a cycle of debt after taking out a payday loan. The high fees and interest rates make it challenging to pay off the loan, which leads to repeated borrowing.

Another interesting fact is that payday lenders in Indiana earned over $60 million in fees in 2019. This highlights the profitability of the payday loan industry and the importance of being cautious when considering taking out a loan.

Apply Now

If you’re considering taking out a payday loan in Saint Paul, Indiana, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy. Remember, we are a connector service, not a direct lender. We can help you find loans that match your needs and financial situation.

Conclusion

Payday loans can help you cover short-term expenses, but they come with high fees and interest rates. It’s essential to consider alternatives and only take out a payday loan if you can afford to repay it. By understanding the regulations and requirements in Saint Paul, Indiana, you can make an informed decision about whether a payday loan is right for you.

F.A.Q.

Is it possible to consolidate multiple payday loans in Saint Paul, Indiana into one loan?

Yes, it may be possible to consolidate multiple payday loans in Saint Paul, Indiana into one loan with a lower interest rate and more manageable repayment schedule. This can be done through a debt consolidation program or by refinancing the loans with a personal loan from a bank or credit union.

Are there any restrictions on how payday lenders in Saint Paul, Indiana advertise their services?

Yes, Indiana state law has several restrictions on how payday lenders can advertise their services, including prohibitions on using false or misleading information, targeting vulnerable populations, and using aggressive or harassing sales tactics. Lenders must also clearly disclose all fees and terms of the loan in their advertising.