Indiana describes payday loans as small loans secured by a personal check or electronic payment authorization, with a minimum term of 14 days. Read exactly what payment permission you are giving.
Indiana uses a statewide database to enforce loan eligibility limits. Amounts and permitted charges vary by loan size, so request the complete Truth in Lending disclosure and consider possible overdrafts alongside the repayment.
DFI lists licensed small lenders through its license search and provides a complaint route. Include the agreement, disclosure, payment authorization, and any bank fees in a complaint.
Official reference: Indiana DFI — Consumer Credit Division. Checked November 11, 2026.