Washington, IN · Midwest · Allowed
Payday loans in Washington
Washington 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 Washington
425,315 residents · Adams County/Allen County/Blackford County/Boone County/Brown County/Carroll County/Cass County/Clark County/Clay County/Clinton County/Daviess County/Dearborn County/Decatur County/Delaware County/Elkhart County/Gibson County/Grant County/Greene County/Hamilton County/Harrison County/Hendricks County/Jackson County/Knox County/Kosciusko County/LaPorte County/Marion County/Miami County/Monroe County/Morgan County/Newton County/Noble County/Owen County/Parke County/Pike County/Porter County/Putnam County/Randolph County/Ripley County/Rush County/Shelby County/Starke County/Tippecanoe County/Warren County/Washington County/Wayne County/Whitley County/Daviess County Median household income is $51,779 — below the Indiana median of $51,834.
1 storefront location of 1 company 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 |
|---|---|---|---|
| Advance America Check Cashing/Pay-day Loans | 1717 South State Road 57 Ste K, 47501 | (812) 257-0837 | Mon 10:00 AM - 6:00 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 Washington
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 Washington 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 Washington
Are payday loans legal in Washington, IN?
Yes. Storefront payday lending is permitted across Indiana, and Washington 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 Washington?
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 Washington?
1 storefront is listed in Washington in our 2022-02-20 directory snapshot (1 different company). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Washington?
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.