Indiana Payday Loans
The wait is over – LendUp now has its Indiana license and can make its loans available to those who qualify in Indiana. At LendUp, we can provide Indiana residents with a quality payday loan alternative from a direct, licensed lender. Whether you’re from Muncie or Bloomington or anywhere else in the state, all Indiana residents can apply regardless of their credit.
Before you apply for a payday loan in Indiana, read over some common questions and considerations about loan requirements and the application process. Also, learn how to find the right lenders in Indiana. Then, you'll be ready to apply for the quality loan with licensed, direct lender.
What you need to apply for our Indiana payday loan alternative
When applying for our alternative to payday loans in Indiana, you need to have access to a phone that takes incoming calls, a working email address, and home address. You also must be 18 years of age and have a recurring source of income. In Indiana, you may be required to show proof of income in the form of a pay stub from work or copy of a government check. Additionally, you can't be an active member of the military (or a dependent of one).
What kind of credit score is required to be approved for an Indiana payday loan?
For an Indiana cash advance, there is usually no set credit score requirement (though lenders do vary). At LendUp, we don't have a specific credit score requirement. We don't run a hard pull credit check, but rather, conduct a soft inquiry. Your credit score is not at all the sole factor in our decision. In fact, we want to help those in Indiana with poor credit. We've actually provided payday loans in Indiana to those with low credit scores. If your credit score isn't great, you may still be approved.
What is the application process like for our Indiana payday loan?
Our online application is mobile-friendly and can take less than five minutes. You must have a checking account able to receive electronic transfers. You never have to drive to a payday loan store or check cashing store. You never have to sit in Indianapolis traffic again to get a loan. The money can be sent directly to your checking account the next business day, if you are approved before 5 p.m. PT (weekdays). Although your bank will ultimately determine when the funds are made available to you.
Benefits of a our Indiana payday loan alternative
Payday loans in Indiana can help you when the unexpected arises. Whether it's an emergency room visit or an urgent home repair, being able to get quick cash to fill the gap is important. Just understand that payday loans should only serve as a temporary solution -- and not a recommended way to handle long-term money problems. You should only borrow the money if you're certain you can repay the personal loan on time. At LendUp, we make the terms and fees clear before you borrow.
Why is it important to find a licensed payday lender in Indiana?
Unfortunately, there are some lenders in Indiana that operate offshore or on tribal land. This means federal and Indiana laws don't apply to their lending products. You should avoid such companies. LendUp is fully licensed in Indiana, and fully complies with federal and state lending regulations.
What to consider before applying for a payday loan?
You want to be absolutely clear on how much you are paying for the loan. Look out for hidden fees, because these can make the loan much more expensive once added. Be certain of the interest rate and Annual Percentage Rate. The lender should provide you with a concrete amount of what you'll repay (if paid on time). At LendUp, we always make sure you are clear about loan length, fee, annual percentage rate and total repayment amount before you submit any personal information.
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