Get Payday or Installment Loan Offers in Indiana Online
Indiana · online request
Cash for unexpected bills: request $100 to $5,000 online
Payday and installment loans in one short form, offers from licensed lenders, and money sent to your bank account if you are approved.
How much do you need?
Estimated fee—
Total to repay—
Estimate uses the maximum fee Indiana law allows (up to 15% of the first $250, 13% of the next $150 and 10% of the amount above $400 (e.g. $44 on a $300 loan)). Some lenders charge less. A typical two-week loan with a $15 per $100 fee has an APR near 400%. Your offer may differ.
Check my offersFree to request · No obligation · Takes a few minutes
- Indiana lenders must be licensed by the state
- Full cost and APR shown before you sign
- All credit types can apply; lenders may check credit
Payday Loans in Indiana, requested online
Indiana residents can request $100 to $825 online from any of the 738 Indiana cities we cover. You fill in one form, lenders review it, and you see the full cost before you decide.
Indiana DFI Annual Report 2025, 2025: 96 licensed locations.
What Indiana law says
- Maximum loan amount: $825.
- Fee limit: Up to 15% of the first $250, 13% of the next $150 and 10% of the amount above $400 (e.g. $44 on a $300 loan).
- Minimum loan term: 14 days.
- Income limit: Cannot exceed 20% of gross monthly income.
- Renewals: No renewals, refinancing or consolidating with proceeds of another small loan.
- Waiting period: 7-day cooling-off after six loans in a row with one lender (initial plus five consecutive).
- Payment plan: Lender must offer a no-fee extended payment plan at the 3rd, 4th or 5th consecutive loan.
- Loan limits: Only one loan with a lender at a time; no new loan if two small loans are outstanding; total outstanding $825 per lender.
- Lenders must hold a license from the Indiana Department of Financial Institutions (DFI) and disclose fees and APR before you sign.
Good to know
- Small (payday) loans are legal, from $50 up to $825, and the due date must be at least 14 days after funding.
- The loan cannot exceed 20% of your gross monthly income.
- Maximum charge: 15% on the first $250, 13% on $250-$400, 10% above $400; $15 per $100 on a 14-day loan.
- Lenders cannot renew or refinance a small loan with a new one.
- From the third consecutive loan you can get an extended payment plan with no added fees.
- You can cancel by the close of business the next day the lender is open by returning the amount advanced.
- You can make partial payments at any time before the due date without charge.
- A returned-payment charge is capped at $25, and lenders may not threaten criminal action over a bounced check.
Problem with a lender? Contact the Indiana Department of Financial Institutions (DFI) at 800-382-4880 · file a complaint online, or the CFPB. Active-duty service members and their dependents are covered by the Military Lending Act 36% rate cap.
Why request online
One form, several providersFill in your details once instead of applying lender by lender.
All credit types can applyProviders look at income and banking history, not only your credit score. Lenders may still check your credit.
No hidden costsLenders must show the fee, interest and APR before you sign. You can say no.
Direct depositIf you accept an offer, funds go straight to your checking account, often by the next business day.
Installment loans in Indiana
Need more than $825 or more time to repay? Indiana also allows supervised consumer loans from licensed lenders, repaid in fixed monthly payments. Finance charge up to 36% a year on the first $2,600 of unpaid balance, 21% on $2,600 to $5,200 and 15% above $5,200, or 25% flat if higher. Minimum charge $63.
Payday loan$300 → repay $344One payment in about two weeks, with a fee of about $44.
Installment loan$1,500 → $150.69 a month12 monthly payments at 36% APR, the Indiana limit for a $1,000 loan; $308.32 interest in total.
Larger amountsRequests up to $35,000Lenders that offer larger personal loans in Indiana review these requests; approval, amount and rate vary.
- A payday loan fits a small, one-off gap you can repay in full on your next payday.
- An installment loan fits a larger amount or a budget that needs smaller monthly payments; check the total interest before you sign.
- Installment lenders need a license: Supervised Loan License from the Indiana Department of Financial Institutions (IC 24-4.5-3).
Illustration only. Your lender must disclose the APR, payment schedule and total cost before you sign.
How it works
1RequestFill in a short form with your Indiana address, income and checking account.
2Review your offerSee the amount, fee, APR and due date. Compare the total you repay.
3Get your moneyAccept and e-sign. Funding time depends on the provider and your bank.
You will need:Age 18+Government IDRegular incomeActive checking accountPhone and email
Payday Loan Rules in Indiana
Allowed – high-cost payday
| Maximum amount | $50–$550 |
|---|---|
| Loan term | At least 14 days |
| Rate / fee rule | 15% first $250; 13% $250–$400; 10% $400–$550 |
| Regulatory basis | Ind. Code §24-4.5-7-101 et seq. |
Key Rules
- Tiered statutory finance charge
- licensed small-loan lender
Regulatory reference: the statutes listed in this table and the state regulator. State rules can change; confirm current terms before borrowing.
Largest Indiana cities
Questions people ask
Are payday loans legal in Indiana?
Yes. Lenders are licensed by the Indiana Department of Financial Institutions (DFI) under Ind. Code 24-4.5-7 (Small Loans).
What is the maximum payday loan in Indiana?
$825. The lender decides your amount based on income.
How much does a payday loan cost in Indiana?
Fee limit in Indiana: up to 15% of the first $250, 13% of the next $150 and 10% of the amount above $400 (e.g. $44 on a $300 loan). At $15 per $100, a $300 two-week loan costs $44, about 382% APR.
Where can I complain about a lender in Indiana?
Contact the Indiana Department of Financial Institutions (DFI) at 800-382-4880 or the CFPB at consumerfinance.gov/complaint.
Ready to see your options in Indiana?
It takes a few minutes and costs nothing to ask. You decide after you see the full cost.
Check my offersWe pass your request to participating lenders. A request does not guarantee an offer; approval, amount and funding time depend on the provider.
Resources
All Indiana cities we cover
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A (27)
B (56)
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