La Porte, IN · Midwest · Allowed
Payday loans in La Porte
La Porte 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 La Porte
21,732 residents · LaPorte County Median household income is $34,900 — 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 | 1114 W State Road 2, 46350 | (219) 362-5358 | 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 La Porte
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 La Porte 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 La Porte
Are payday loans legal in La Porte, IN?
Yes. Storefront payday lending is permitted across Indiana, and La Porte 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 La Porte?
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 La Porte?
1 storefront is listed in La Porte 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 La Porte?
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.