Payday Loans in Troy, Indiana

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

Company nameAddressZip codePhone number
Civista Bank 111 US-50, Versailles, IN 47042 +1 (812) 537 - 4822
Mid-Southern Savings Bank Fsb 1505 W Main St, Mitchell, IN 47446 +1 (812) 849 - 2092
Fort Financial Credit Union 10301 Maysville Rd, Fort Wayne, IN 46835 +1 (260) 969 - 0805
First Merchants Bank 1250 North, Cass St, Wabash, IN 46992 +1 (260) 563 - 4116
Regions Bank 104 W 11th St, Bicknell, IN 47512 +1 (812) 757 - 4690
Partners 1st Federal Credit Union 634 Broadway St, New Haven, IN 46774 +1 (260) 493 - 6670
Enterprise Rent-A-Car 23283 US-33, Elkhart, IN 46517 +1 (574) 875 - 7820
World Finance 1616 N Lebanon St Ste 3, Lebanon, IN 46052 +1 (765) 482 - 6108
Lending Hand Inc 1007 N 6th St, Monticello, IN 47960 +1 (574) 583 - 0004
Raymond James Financial Services 9449 Priority Way W Dr, Indianapolis, IN 46240 +1 (317) 218 - 3155

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Troy, IN, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Plainfield, IN, Payday Loans in Portage, IN, Emergency Loan in Richmond, IN, Quick Loan in South Bend, IN, Online Loans in Terre Haute, IN, Short-term Loans in Valparaiso, IN, Bad Credit Loans in West Lafayette, IN and Payday Loans in Westfield, 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 Troy, IN.

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

47588

Are Payday Loans Legal In Troy, 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%

Troy, IN payday loan calculator

Advise to read before applying

Understanding Payday Loans in Troy, Indiana

If you live in the Troy, Indiana area and are in need of some extra cash to cover unexpected expenses, you may be considering a payday loan. Payday loans can be a helpful resource for those who need money quickly, as they are typically easy to obtain and can provide funds in as little as one business day.

Before you consider taking out a payday loan, it’s important to understand how they work, their benefits and drawbacks, and any regulations that may apply to them in Troy, Indiana.

What is a Payday Loan?

A payday loan is a small, short-term loan that is typically due on your next payday. These loans are typically used to cover unexpected expenses or bridge financial gaps between paychecks. In Troy, Indiana, payday loans can be obtained from both brick-and-mortar lenders and online lenders.

How Do Payday Loans Work?

To obtain a payday loan in Troy, Indiana, you must typically provide proof of income, a valid ID, and a checking account. You then write a post-dated check for the amount of the loan, plus any fees and interest that will accrue. On your next payday, the lender will cash the check to obtain repayment of the loan.

If you are unable to repay the loan on time, you may be able to extend the loan for an additional fee. However, this can lead to a cycle of debt and may result in significant fees and interest charges.

Benefits of Payday Loans

One of the biggest benefits of payday loans in Troy, Indiana is the speed at which they can provide funds. In many cases, you can apply online and receive funds in as little as one business day. Additionally, payday loans can be obtained with bad credit, as lenders typically only require proof of income and a valid ID.

Drawbacks of Payday Loans

Payday loans in Troy, Indiana can come with significant drawbacks as well. One of the biggest drawbacks is the high interest rates and fees that are typically associated with these loans. Additionally, if you are unable to repay the loan on time, you may face additional fees and interest charges, as well as damage to your credit score.

Regulations in Troy, Indiana

In Indiana, payday loans are legal and there are no specific state regulations that apply to these types of loans. However, lenders must be licensed and follow all applicable federal and state laws, including those related to interest rates, fees, and disclosures.

Interesting Facts and Statistics About Payday Loans in Troy, Indiana

  • In 2020, the average payday loan in Indiana was $369, with an average loan term of 14 days.
  • The average interest rate on a payday loan in Indiana is 317%, which is one of the highest rates in the country.
  • In 2019, Indiana borrowers took out approximately 1.4 million payday loans, totaling over $502 million in loans.

Apply Now for a Payday Loan in Troy, Indiana

If you are in need of a payday loan in Troy, Indiana, TheGuaranteedLoans can help. As a connector service, we work with a network of lenders to help you find the best loan for your needs. To get started, simply fill out our online application and we will connect you with potential lenders who can provide the funds you need. Remember, payday loans are a short-term solution and should only be used for unexpected expenses or emergencies.

F.A.Q.

Are there any protections for borrowers who take out payday loans in Troy, Indiana?

Yes, in Troy, Indiana, payday lenders are required to provide borrowers with a written disclosure statement outlining the terms of the loan, including the loan amount, fees, and repayment schedule.

Can I be sued or have my wages garnished if I fail to repay my payday loan in Troy, Indiana?

Yes, if a borrower fails to repay a payday loan in Troy, Indiana, the lender may choose to pursue legal action, including suing the borrower and garnishing their wages. It is important for borrowers to only take out payday loans if they are confident they will be able to repay them on time.

Look for Short-Term Loans in Other Cities:

Anderson Bloomington Carmel Columbus Elkhart Evansville Fishers Fort Wayne Gary Goshen Granger Greenwood Guilford Hammond Indianapolis Jeffersonville Kokomo Lafayette Merrillville Michigan City Mishawaka Muncie New Albany Noblesville Plainfield Portage Richmond South Bend Terre Haute Valparaiso West Lafayette Westfield
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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