Indianapolis, IN · Midwest · Allowed
Payday loans in Indianapolis
Indianapolis is governed by Indiana's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Indiana. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Indianapolis
864,771 residents · Marion County. County Median household income is $51,682 — below the Indiana median of $51,834.
16 storefront locations of 8 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| 528 Financial Marketing, Installment Loans, Business Consulting | 9265 Counselors Row, 46240 | — | Mon–Fri 8:00 AM - 5:00 PM · Sat–Sun Closed |
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 8027 Pendleton Pk, 46226 | (317) 895-1179 | Mon 9:00 AM - 7:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1115 E 86th St, 46240 | (317) 475-0197 | Mon 9:30 AM - 7:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 3335 Kentucky Ave, 46221 | (317) 241-0952 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 10930 Pendleton Pike Ste 105, 46236 | (317) 823-3994 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 1985 E Stop 13 Rd, 46227 | (317) 881-6328 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 5621 Georgetown Rd, 46254 | (317) 328-7894 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 5217 E Thompson Rd, 46237 | (317) 784-9676 | Mon 10:00 AM - 6:00 PM · hours vary |
| Eagle Finance Installment Loans | 9747 E Washington St, 46229 | (317) 252-0001 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Eagle Finance Installment Loans | 7799 US 31 S Ste A, 46227 | (317) 882-2000 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Legacy10 Business Financing, Debt Relief Services, Installment Loans | 5435 Emerson Way Ste 100, 46226 | (463) 230-3410 | 9:00 AM - 7:00 PM daily |
| OneMain Financial Auto Loan Providers, Installment Loans | 5749 E 86th St, 46250 | (317) 842-1122 | Mon 9:00 AM - 5:30 PM · hours vary |
| OneMain Financial Auto Loan Providers, Installment Loans | 4951 S Emerson Ave, 46203 | (317) 783-3366 | Mon 9:00 AM - 5:30 PM · hours vary |
| Pacifica Lending Title Loans, Installment Loans | Indianapolis, 46203 | (317) 526-5967 | Hours not listed |
| Teachers Credit Union Banks & Credit Unions, Mortgage Lenders, Installment Loans | 1 N Capitol Ave Ste 101, 46204 | (317) 917-2011 | Mon 9:00 AM - 5:00 PM · hours vary |
| Teachers Credit Union Banks & Credit Unions, Mortgage Lenders, Installment Loans | 445 S Post Rd, 46219 | (317) 869-1111 | Mon 9:00 AM - 5:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Indiana page before visiting. Spot an error? Report it.
The online route in Indianapolis
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Indiana follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Indiana regulator.
The rules behind the numbers
A small loan is not intended to meet long term financial needs. A small loan should be used only to meet short term cash needs.
In practice: borrow $300 for a standard term and the finance charge is $44 — $344 repaid at the end, about 382% APR. Every compliant lender in Indianapolis has to fit inside that schedule.
Statute: Ind. Code § 24-4.5-7-101 et seq.
Regulator: Indiana Department of Financial Institutions · www.in.gov
Questions people ask in Indianapolis
Are payday loans legal in Indianapolis, IN?
Yes. Storefront payday lending is permitted across Indiana, and Indianapolis runs under the same state rules: maximum loan $550, fees capped at 15% on first $250, 13% on $250-$400, 10% on $400-$550. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Indianapolis?
The same as anywhere in Indiana: state law sets the schedule. On a typical $300 loan the finance charge is about $44 — $344 repaid at the end of the standard term.
Which lenders have stores in Indianapolis?
16 storefronts are listed in Indianapolis in our 2022-02-20 directory snapshot (8 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Indianapolis?
Complaints about a lender go to the Indiana Department of Financial Institutions (www.in.gov) — keep the loan agreement and every fee disclosure you were given.