Indiana Personal Loan Laws and Regulations (IN)

(last updated 01/01/2018)
Indiana Uniform Consumer Credit Code ("UCCC"), IC 24-4.5

There is a law in Indiana which regulates how much you can be charged for credit, restricts what can happen to you if you pay late, and defines what information must be provided to you before you commit to any credit transaction. The name of that law is the Indiana Uniform Consumer Credit Code ("UCCC"), IC 24-4.5. Some of the UCCC's more important provisions are given below.

The following rates can be charged on credit sales or loans: 36 % on amounts financed up to $960,

plus 21 % on the portion of the amount financed from $960.01 to $3,200,

plus 15 % on the portion of the amount financed over $3,200; or 21%, whichever is greater.
 
This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in Indiana, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the Indiana Department of Financial Institutions.
 
The following classes of lending organizations may be exempt from some, all, or none of the regulations and laws set by the state of Indiana. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.

Indiana
Personal Loan Request

Start by tailoring your loan amount
Requested Loan Amount
Preferred Term
Preferred Interest Rate
Based on your entries above...
Amount
Financed
 

Total of
Payments
 
Loan
Term
 

Finance
Charges
 
Monthly Payment
 

 
APR
 

Indiana Personal Loan Lending Regulator (IN)

Regulating Authority
Indiana Department of Financial Institutions
30 South Meridian Street.
Suite 300
Indianapolis, IN 46204
(317)232-3955, (800)382-4880
in.gov/dfi/index.htm

Agency for Handling Complaints
Department of Financial Institutions
30 S. Meridian St.
Suite 300
Indianapolis , IN 46204
317-232-3955, 800-382-4880
in.gov/dfi/2335.htm

 


Related Indiana Loan Programs

Personal Loans for Bad Credit in IN
$500 to $5,000 - Credit Score Less Than 650
 
Small Business Loans in IN
For Bad to Excellent Credit. Flexible Terms.

Personal Loan Request


Apply for a Personal Loan in IN

Flag of the State of Indiana Indiana is home to many big things: murals in Richmond, Old Ben in Kokomo, the world’s largest ball of paint in Alexandria, to name a few. Hoosiers dream big – so what will you do with your personal loan?

Maybe you want to be in the record books for creating the world’s largest sugar cream pie. And you intend on eating it while sitting on the world’s largest rocking chair in Amity. Or, perhaps your dreams are a bit more down to earth and you’d just like to enjoy a long weekend at the Indiana Dunes National Lakeshore. Maybe you’ll even take on the 3 Dune Challenge.

There’s a big event going on at the Speedway that you don’t want to miss. Add hotels and meals to that and it’ll be an expensive affair in Indy. You’ve always dreamed about starting your own business in Columbus, but you’ll need some capital. A personal loan could help get you started.

You’ve been lucky enough to participate in the Mayor of Gary’s Dollar Home Program and you just need to renovate a couple of rooms to make it livable. Or maybe you want to take some graduate courses at Notre Dame. If a wilder sort of class is for you, the Wolf Intensive Weekend at Wolf Park in Lafayette could be a howling good time. But where should you go for the personal loan that can help make it all a reality?

Whatever it is you are working toward or hoping for, we can help. We Give Loans has access to 12,721 signature loan sources to help get you the cash to make it happen! Whether you need $1,000 or up to $35,000 to accomplish your goals, we have access to sources that offer a variety of personal loan options. Even if you want to go complete a few classes to qualify for a promotion or career change, or you want to fix up a bathroom in your home, take that vacation you have been dreaming about or consolidate your debt into one easy low payment, a signature loan can bridge the gap between you and your goals!

All it takes is a few moments to complete our short, simple, secure form and we can get started. We Give Loans offers a no cost, no obligation pairing process to ensure that you are paired with the right loan source to get the right loan for your needs. Since we began pairing customers with loan sources in 2006, we have helped millions get the cash they needed and fast- most approvals only take a few minutes. If approved, you could have cash in your hand in 1 to 72 business hours. Our loan sources offer flexible repayment options with repayment periods from 6 to 72 months for unsecured loans. Don’t wait any longer! Make those dreams come true today with the help of We Give Loans!

No matter your dreams or plans, a personal loan will make those expenses a lot less burdensome.


 

Indiana Personal Loans (IN) by City

Indiana Debt Relief, Financial Counseling, and Consumer Credit Information


If you would like to look into the possible benefits of these services, Curadebt - Whom Offers a Free Debt Relief Quote is a leading provider of financial counseling services in Indiana.