Payday loans in Indiana: what the law allows
Yes. Indiana allows payday loans up to $825, with a fee limit of 15% of first $250; 13% of $250-$400; 10% of $400-$825. We haven't confirmed Indiana's car title loan rules yet.
Indiana
Payday loans
Allowed
Car title loans
Not confirmed yet
- Largest loan
- $825
- Fee limit
- 15% of first $250; 13% of $250-$400; 10% of $400-$825
- Shortest term
- 14 days
- Renewals (rollovers)
- Not allowed
- Wait before a new loan
- 7 days
- Extended payment plan
- Required to be offered
“Lenders cannot have loans (either single or in the aggregate) outstanding with you at any one time if the aggregate principal amount/amount financed exceeds $825.”
Indiana Department of Financial Institutions, Consumer Credit DivisionLook up a lender's license
Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.
Before you borrow
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Common questions
Are payday loans legal in Indiana?
Yes. Indiana allows payday loans up to $825, with a fee limit of 15% of first $250; 13% of $250-$400; 10% of $400-$825.
Are car title loans legal in Indiana?
We haven't confirmed Indiana's car title loan rules yet.
How do I check a lender's license in Indiana?
Look the lender up with Indiana Department of Financial Institutions, Consumer Credit Division, which licenses lenders in Indiana.
Do these rules protect service members?
Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.
Information, not legal advice. Laws change; confirm with the state regulator.