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Payday Loans in Indiana

Compare licensed lenders • Check IN regulations • Apply online

Max Loan
$605
Cities Covered
78
Legal Status
Legal
Population
6,785,528

Indiana Payday Loan Regulations

Max Loan Amount:$605
Max Term:14 days
Typical APR:391%
Cooling-Off:None
Rollover Allowed:Yes

Payday loans in Indiana are regulated by DFI. Maximum $605 per loan with typical APR 391%.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in Indiana

Payday loans in Indiana are regulated by DFI. Maximum $605 per loan with typical APR 391%.

Indiana is located in the Midwest region of the United States with a population of 6,785,528.

Key Regulations:

  • Maximum APR: 391%
  • Maximum loan amount: $605
  • Maximum term: 14 days
  • Rollovers allowed
  • Regulated by Indiana Department of Financial Institutions

Regulatory Authority: Indiana Department of Financial Institutions
Official Website: https://www.in.gov/dfi/

Cities in Indiana

Indianapolis

Pop: 887,642

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Fort Wayne

Pop: 263,886

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Gary

Pop: 69,093

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Muncie

Pop: 65,194

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Terre Haute

Pop: 58,389

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Columbus

Pop: 50,474

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Jeffersonville

Pop: 49,447

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Richmond

Pop: 35,720

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Goshen

Pop: 34,517

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Zionsville

Pop: 30,903

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Marion

Pop: 28,310

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Clarksville

Pop: 22,333

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+ 66 more cities in Indiana

Frequently Asked Questions – Indiana

Are payday loans legal in Indiana?
Yes, payday loans are legal in Indiana. The state is regulated by the Indiana Department of Financial Institutions, which oversees all payday lenders. Payday loans in Indiana are regulated by DFI. Maximum $605 per loan with typical APR 391%.
What is the maximum payday loan amount in IN?
The maximum payday loan amount in Indiana is $605. Finance charges are capped at Varies by lender. Always verify with your lender before applying.
How long do I have to repay a payday loan in Indiana?
In Indiana, payday loans typically have a maximum term of 14 days. Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in IN?
Payday loans in Indiana are regulated by DFI. Maximum $605 per loan with typical APR 391%.
How do I find licensed payday lenders in Indiana?
All payday lenders in Indiana must be licensed by the Indiana Department of Financial Institutions. You can verify a lender's license at https://www.in.gov/dfi/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in IN?
Most Indiana payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in Indiana?
In Indiana, the maximum APR is 391%. Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in IN?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Indiana may change. Always verify current regulations with the Indiana Department of Financial Institutions before applying. Credizen is a comparison platform – we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you're matched with. Learn more in our methodology.

Emergency Financial Help

If you're experiencing financial difficulties, contact your local financial counseling service.

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