Indiana payday loans
Indiana payday loans

Online Payday Loans in Indiana

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  • 80% of applications approved
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Payday Loans in Indiana: Cash Advances for Any Credit

All adult Indiana residents can apply for payday loans to solve their money problems. 1F Cash Advance offers qualified and instant assistance for those who need to get cash quickly without issues and time wasted. If you live in Indiana, we are here to become your fast and fair financial assistance when nobody can. As we stand for equal credit opportunities, you can apply for a loan even with poor credit.

Table of Contents

Payday Loan Online in Indiana – Overview

If you unexpectedly face some financial emergencies and are looking for a helping hand to overcome them, you can consider a short-term loan as one of the best short-term solutions. As these loans have limited terms and amounts, they don’t meet long-term financial needs. Indiana payday loans online can provide you with instant money without leaving your home and have no such strong requirements as personal loans have.

Law regulation

The history of Indiana payday loans starts in the 1990s, and they are still legal nowadays. Now cash advances in Indiana are regulated by the Uniform Consumer Credit Code — Small Loans (Ind. Code Ann. § 24-4.5-7-101 et seq.). The industry is strictly monitored in the state, and any criminal actions against customers are prohibited.

Maximum loan amount

Borrowers in Indiana can get up to $550 and also can have up to two payday loans at a time. The minimum loan amount is $50. Anyway, these loans can’t be taken out from the same lender. The lender is also prohibited from giving you a small loan that exceeds 20% of your monthly gross income.

Maximum loan term

Short-term loans in Indiana have no maximum loan term. A customer must repay the money in a period of not less than 14 days. The exact repayment period depends on the lender and the loan option you choose.


Typically, rollovers are not allowed in Indiana. At the same time, if the borrower faces a problem with repaying a loan, he can get three extensions to turn the money back in installments.


Thus, a cash advance is an easy-to-get short-term loan as lenders have no strong requirements for your credit score or income. It is a short-term solution with a repayment period of no less than two weeks but usually from your next paycheck. From 2020 payday lenders are also not required to check your income and ability to repay the loan. That is why you should be careful while you decide on the amount to avoid getting into a debt circle.

If you need some qualified assistance or consultation, we are always happy to provide it to you. In 1F Cash Advance, we are trying our best to help you with finding the best option on the market that suits your current situation.

Application Steps for Online Loans Indiana

Applying for a payday loan never was so easy. The whole application process takes just a few minutes. There are six common steps you should take to get a payday loan in Indiana:
  • Decide on the amount you need.
    As lenders may not provide checks of your ability to turn the loan back, first, make sure the amount you’re applying for is the one you will be able to repay from your next payday;
  • Fill out a loan request form.
    Next, you just need to specify some of your personal details and account information to apply for a payday loan online. It usually takes just a few minutes to provide us with all the required information and submit the form on our site;
  • Wait for a response.
    Once you submit your loan request form, we share your application details with our base of trusted lenders through a secured connection. After a lender checks your personal data, he sends you a loan decision by email. It usually takes from 5 to 10 minutes to get a loan offer;
  • Sign a loan contract.
    After you are approved, you must read the terms and conditions of your loan agreement carefully and sign it if all the details are good for you;
  • Get the money.
    The payday lender always tries to transfer money as soon as possible. Applications approved after 10:30 AM are typically funded directly to your checking account on the next business day. If you need to get money the same day, you should apply before 10:30 AM on a weekday;
  • Repay the loan.
    Finally, the lender will automatically withdraw the loan amount plus interest from your bank account on the date specified in your loan agreement.
  • Almost all the processes are online. You don’t even need to leave your home to get the financial assistance you may need at any moment in life. We are always as close to you as your PC is.

Real Costs of Indiana Loans

Finance fees are also regulated by state law. Charges and fees can not exceed 15% of your loan amount. The exact maximum charges and fees rate depends on the amount you take:

  • $50 to $250 – no more than 15% for a loan;
  • $251 to $400 – no more than 13%;
  • $401 to $550 – no more than 10%.

Examples with a minimum 14 days term:

Amount Charges (%) Charges (amount) APR Total Cost
$50 15 $7.5 391% $57.5
$100 15 $15 391% $115
$200 15 $30 391% $230
$300 13 $39 339% $339
$400 13 $52 339% $452
$500 10 $50 261% $550
$550 10 $55 261% $555

Although a short-term loan is an expensive form of financing compared with personal loans from traditional financial institutions, it has many advantages. For example, it has no such strong requirements as a personal loan, and you can get it the same day even with a bad credit score.

Cash Advance Indiana – Doesn’t Affect Your Credit Score

If customers in Indiana want to borrow money without lowering their credit scores, they can qualify for an online cash advance. It allows them to get the funds they need without hurting their credit rating. As a direct lender usually doesn’t provide a hard credit check, you can get financial assistance even with bad credit or no credit.

When Should I Get Indiana Payday Loans?

People usually consider paycheck loans as one of the best ways of covering unexpected expenses. These loans don’t meet long-term financial needs because of their costs and limits, but they can be a good solution when you need to solve some emergencies.

As short-term online loans in Indiana are also available for people with poor credit scores, they are a good option for those who can’t count on financial support from traditional lenders.

Typically, customers in Indiana are applying for fast cash loans for the following reasons:

  • Covering daily expenses;
  • Paying for medical emergencies;
  • Covering repair works;
  • Repaying the debt;
  • Preparing for the holidays.

If you face some of the difficulties above or have urgent money needs for any other reasons, we are ready to help you in beating your problems. We will definitely find the best lender that suits your current needs.

Eligibility Criteria For Getting Online Payday Loans in Indiana

Unlike traditional loans, cash loans in Indiana have no such strong eligibility criteria. Everyone can apply and get the assistance he needs if he meets the following requirements:

  • An applicant is an adult (18 years old) resident of the US;
  • Have a national ID;
  • Can provide us with your valid bank account information;
  • Can prove you have a steady source of income;
  • Have a valid mobile phone number and email.

As the requirements are simple, cash loans in Indiana are considered to be one of the easiest ways of getting the funds in case of financial emergencies.

Get a Payday Loan Indiana Guaranteed Approval

Although the rate of approval is high, unfortunately, your loan request submission can’t guarantee the lender will send you a positive loan decision. Each lender may have its own requirements and different reasons to reject. If it happens to you, don’t worry. You can always reapply after some time or consider a lower amount to borrow.

Indiana Payday Loan No Credit Check

If you need to get some financial assistance without affecting your credit rating, payday loans will be a good solution for you. As lenders don’t share your data with main credit bureaus and are interested only in your ability to turn back the money, paycheck loans with no credit check are considered one of the best loan options for people with no or bad credit.

Apply with 1F Cash Advance and get the money you need by the end of the next banking day without lowering your credit score.

Can I Get Payday Loans Online Indiana Same Day?

Lenders are always trying to transfer your money at its earliest convenience. At the same time, according to the processing terms, the requests approved after 10:30 AM are typically funded in the morning of the next business day. If your application was approved before 10:30 AM, you could possibly get the money the same day.

Online Payday Loans Indiana Bad Credit – How Can I Get It?

There are no minimum credit score requirements when it comes to a bad credit cash advance. It makes no difference to us whether you had some issues with repaying your previous debts. You are always welcome to get the financial support you need, even with a bad credit score or below-average income. Actually, you must meet just common requirements to apply and get the money to cover unexpected expenses.

Payday Loan Alternatives in Indiana

In some cases, paycheck loans can not suit everyone for different reasons. However, if you want to consider some alternative forms of financing, there are a couple of loan options that may suit you more.

  • Installment loans. If you think it will be difficult for you to pay off your payday lending in a one-time payment, an installment loan can be good for you. This cash advance offers a repayment period of up to 36 months, with the maximum amount to borrow up to $5,000. Installment loans are also available for Indiana residents with bad credit. If you need to cover more than $550 or have some problem with fast repaying, you can consider installment loans as a great solution.
  • Title loans. Title loans are secured loans that allow you to borrow large amounts if you leave your vehicle as collateral. A title loan can still be offered by banks and credit unions as an option for customers with bad credit. Сustomers can apply for car title loans online or at a storefront lender. A title loan can be a good option if you have collateral to provide and need some extra money for a longer term with cheaper costs.
  • Refinancing. This option suits you if you need to consolidate your debt or want to improve your current loan conditions. Unlike installment loans or title loans, refinancing is available only for repaying your previous debt. You will not get the money in your checking account to cover your current expenses.
  • Personal loans. These borrowings usually have better terms and lower rates, but these beneficial conditions are available to borrowers without any issues with their previous debt repayments. They also have more requirements and don’t suit you if you need some fast cash without hassles and time wasted on gathering documents. You can consider a personal loan if you have good credit and need some long-term solution.

How Many Payday Loans Can You Have in Indiana at a Time?

Law in Indiana allows residents to have no more than two paycheck loans from different direct lenders at a time. Also, borrowers are allowed to take another loan only after a week from the last six loans in a row. However, the conditions for your second loan will be worse. You should also verify your ability to repay both of them if you want to apply for more than one loan.

Benefits of Applying With 1F Cash Advance

When it comes to finances, every detail can be important. In 1F Cash Advance, we’re paying attention to every step we take for you to be approved. We want to become your best borrowing experience by providing high-quality services for borrowers with any credit.

  • Professionalism. Our team knows everything about loans and does its best to provide you with all the important details you should know before getting approved;
  • Personal approach. Our staff has a special skill of feeling our customers’ needs. That is why we can offer you the best option for your current situation;
  • No additional charges and fees. We get our commission from lenders, so you don’t have to pay anything when applying with us;
  • Safety. We share your application details through a secured connection, so you may not worry about your data leakage;
  • Huge base of lenders. A wide range of lenders we are working with allows us to meet each client’s needs and give them the funds to overcome financial difficulties.
  • Applying with us is fast and easy. As we appreciate your time, we offer a 100% online application. That allows you to borrow the funds you need from the comfort of your own home. Don’t want to apply online? Our in-store manager will be happy to see you in person.

In-Store Payday Loans in Indiana

Have no opportunity to apply online or just want to discuss some points in person? We are always waiting for you in our stores to provide you with high-quality instant support and information you may need before getting approved. You can also contact us by phone or email if you need to specify some details.

3486 W 86th St, Indianapolis, IN 46268
[email protected]

Payday loans Indianapolis Indiana
Cash advance in Indianapolis, IN
1F Cash Advance payday loans Indiana

How to Find 1F Cash Advance Payday Loans Near Me Indiana?

Applying for a cash advance with us, you will discover a new level of financial assistance through our qualified support, services provided, and focus on helping every customer to overcome their money difficulties. Apply in a store near you or contact our on-site manager to get instant help in submitting your online application.

How to Find the Right Lender in Your City?

We have a huge branch throughout the state to always be near you in case of financial emergencies. Our team of professionals is always happy to help you in our stores that open their doors for you in the following cities:

Indianapolis Fort Wayne Evansville
Carmel South Bend Fishers
Bloomington Hammond Gary
Lafayette Muncie Noblesville
Greenwood Terre Haute Kokomo
West Lafayette Anderson Elkhart
Mishawaka Lawrence Jeffersonville
Columbus Westfield Portage
Plainfield New Albany Richmond
Merrillville Goshen Valparaiso

We are happy to help you in finding the best lender, whether you’re applying online or visiting our store.

Services Provided in 1F Cash Advance

Online Paycheck Loans IN

Get an instant cash advance to cover all your unexpected expenses or daily needs and pay off the loan by your next payday. Our loan services are available even for clients with poor credit scores and below-average incomes. The lenders we are working with will provide you with all the information needed, and our staff is always ready to help you apply after holding an in-store or online consultation on any question.

Installment loans IN

Need a financial solution with a longer term to make it easier to turn back the money without issues and financial stress. An installment loan offers terms up to 3 years with a maximum amount of up to $5,000. You may not worry about repaying your cash advance by your next paycheck and pay it off in equal monthly installments within a longer period.

Check Cashing IN

If covering your financial needs requires some cash, visit one of our stores near you to get it in just a few minutes. Our manager will assist you and cash your check with great pleasure. Having your national ID is required.

Frequently Asked Questions

Is 1F Cash Advance Working With Licensed Direct Lenders Only?

All the lenders we are working with are licensed and trusted. They all operate according to the Indiana lending law requirements. They also provide a necessary level of security for all the operations and transactions.

Is 1F Cash Advance Licensed?

1F Cash Advance is a licensed matching service that operates according to the federal laws set by the US government. We are licensed by the Department of Financial Protection and Innovation. Customers can request licensing information at any moment.

How to Apply Online for a Bad Credit Payday Loan?

The application process is 100% online. All you need is to fill out a loan request form on our website and wait until getting a loan decision by email. It usually takes about 10 minutes.

What Documents Do I Need to Apply Online for a Fast Cash Loan?

Lenders usually have no such strong document requirements as banks. Borrowers may qualify for a loan if they have a valid ID, some income proof, account information, and a social security card.

Can I Pay Off My Payday Loan Early?

Everything depends on the lender. In some cases, lenders allow you to repay the loan early without any additional charges, while other lenders may set prepayment fees. Check out the terms of your loan agreement before paying it off early.

How Fast Can I Get a Payday Loan in Indiana?

Getting an emergency loan in Indiana is faster than a title loan or an installment loan. Money is typically funded to your account as soon as the next business day. To be approved and get the funds earlier, you should apply before 10:30 AM on a business day.

Can I Get A Cash Advance in Indiana With Bad Credit?

Payday loans in Indiana are good options for people with bad credit. When applying for a payday loan in Indiana, the lender will provide only a soft credit check. Payday lenders don’t pay attention to your credit score and, according to the law, may even not look at your ability to repay the money.

What Should Be My Income If I Want to Get a $550 Loan?

As lenders are prohibited from giving you a cash advance that exceeds 20% of your monthly gross income, your income must be at least $2,750 per month to get a $550 loan.

What are the Best Alternative Forms of Financing for an Indiana Payday Loan from a Direct Lender?

A title loan offers lower rates and longer terms, but you must have a car to provide as collateral. An installment loan is almost as expensive as a cash advance but with the term up to 3 years. Installment loans also allow you to borrow up to $5,000 of the maximum loan amount. Both installment loans and car title loans are available for customers with bad credit.

Can I Apply for a Title Loan If I Have No Collateral to Provide?

Unfortunately, title loans always require your vehicle title as collateral. You can not apply for a title loan without any pledge.

How to Get Payday Loans in Indiana If I Have No Bank Account?

Having an active checking account is usually a mandatory requirement for getting a small loan. However, some lenders may also transfer your funds to a savings account.

In What Cities of IN are Payday Loans Available for Consumers?

Residents of all the cities in Indiana are welcome to solve their money problems no matter where they live due to our 100% online application. If you have no access to the internet or want to apply in person, feel free to visit our store in one of the further cities: Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, Fishers, Bloomington, Hammond, Gary, Lafayette.

Are There Indiana Payday Loan Stores Near Me?

1F Cash Advance has many branches across the US. Not a resident of Indiana? It’s not a problem! We have payday loan lending stores throughout the country, including Michigan, New Hampshire, Idaho, Illinois, Kentucky, Wisconsin, Pennsylvania, and Rhode Island. To find the store near you, use our locator or apply online to make it happen without leaving your home.