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Rates & Terms

Rates & Terms for Indiana Residents

Governing Law:

The loan agreement will be governed by the applicable laws.
Questions or complaints should be directed to your state's regulatory agency.

Complaints and Customer Service

If you have questions or complaints, please contact a Customer Service Representative at 1-800-351-8820. We will be happy to assist you.

Maximum Loan Amount

The maximum loan amount for Indiana residents will be $600.00.

Days
Outstanding
 
APR
Loan Amount $
100
200
300
400
500
600
8
9
10
11
12

13
14
15
16
17

18
19
20
21
22

23
24
25
26
27

28
29
30
1,365.00%
1,213.33%
1,092.00%
992.73%
910.00%

840.00%
780.00%
728.00%
682.50%
642.35%

606.67%
574.74%
546.00%
520.00%
496.36%

474.78%
455.00%
436.80%
420.00%
404.44%

390.00%
376.55%
364.00%
30
30
30
30
30

30
30
30
30
30

30
30
30
30
30

30
30
30
30
30

30
30
30
60
60
60
60
60

60
60
60
60
60

60
60
60
60
60

60
60
60
60
60

60
60
60
90
90
90
90
90

90
90
90
90
90

90
90
90
90
90

90
90
90
90
90

90
90
90
120
120
120
120
120

120
120
120
120
120

120
120
120
120
120

120
120
120
120
120

120
120
120
150
150
150
150
150

150
150
150
150
150

150
150
150
150
150

150
150
150
150
150

150
150
150
180
180
180
180
180

180
180
180
180
180

180
180
180
180
180

180
180
180
180
180

180
180
180

 

Loan Terms

The cost of your cash advance payday loan is dependant on various factors. Cash advance loans are designed for emergency situations when you are short of cash and need money fast! Family emergencies, unexpected car repairs, overdrafts, telephone reconnection and deposits are just some of the urgent cash needs that you may experience.

Your fees are less than the cost of not having the cash you need when you need it - overdraft fees, bounced check charges, taxes, even losing your job because you can't get to work! Actual fees are determined based on the information you provide when you submit your loan application.

Your cash can be in your bank account the very next business day and you don't repay until your next paycheck.

  • Your loan will be due on your next payday that falls between 8 to 30 days away.
  • If you are paid by paper check, we will give you a grace period of 1 day to deposit your check.
  • If you are paid monthly, your loan will be due on your next payday that falls between 8 to 30 days away.
  • If your paydates fall outside of these ranges, your loan will be due in 14 days.
  • Maximum loan amount is $600.

Extensions

In order to pay advance in full or pay a portion of the principal balance, you must schedule your payment after logging in to your Member Account. If you need assistance, please contact a Customer Service Representative at 1-800-351-8820 7am to 4pm MST.

To be processed, all pay down and pay out requests, must be submitted and be received 3 business days prior to your scheduled repayment date. An Extension or Deferral Fee, in the same amount as the original Cash Advance Fee, will be assessed and withdrawn from your account on the scheduled repayment date.

Fees and Charges

I have a 
 Loan
 
Days Outstanding 
 Days
 
Fees: 
Please Select Loan Amount 
 
APR: 
Please Select Days Outstanding 
 

Testimonials

I want to let you know that as a first-time customer with Loan Point USA, I was very impressed by the quick and courteous response and service I received. Kenneth, you were very professional and took the time to address all of my questions in a thorough and patient manner. I am looking forward to a long-term relationship with Loan Point USA. Again, thank you for your assistance.

I work in the customer service industry and Gavin showed excellent skills because he was really patient and thorough. I just want to make sure that he is recognized for his efforts.

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