Indiana Rates and Terms
Loans
PAYDAY LOANS
Availability of Payday Loans
Check `n Go offers payday loans online.
Governing Law
The loan agreement will be governed by the applicable laws of Indiana. Questions or complaints should be directed to your state’s regulatory agency.
Maximum Loan Amount
The maximum loan amount offered by Check ‘n Go to Indiana residents is 20% of their gross monthly income or $660 for online payday loans.
DOCUMENTATION
- Fax of Pay Stub
Indiana regulation requires all Indiana customers have their most recent pay stub on file with Check ‘n Go when receiving a payday loan. For online customers, please fax or e-mail Check ‘n Go your latest pay stub when applying to ensure timely processing of your loan. If you receive income by means other than an employer, please fax or e-mail other proof of your Social Security, disability, and child support or alimony payments. All materials may be sent via fax to (800) 723-7032 or via email to [email protected] . When applying for a payday loan at a store location, please take the above documentation with you. - Social Security Number
Check ‘n Go requires all Indiana customers provide documented proof of their social security number. See the SSN Disclosure document, located in the Additional Disclosures section below, for a list of acceptable documents.
PAYDAY Loan Terms
Check ‘n Go offers a minimum loan term of 14 days and a maximum loan term of 35 days for online loans.
Only one loan is permitted at Check ‘n Go.
Indiana state law mandates a 7 day cooling off period following the pay off of the 5th consecutive payday loan transaction (not including the initial transaction). Consecutive payday loan transactions may be made with any one or more state licensed lenders.
Extensions
The state of Indiana allows for extended payment plans after an initial loan followed by three consecutive small loans. The initial loan counts as zero and goes up from there and consecutive loan is defined as a loan originated within 7 days or less from the prior loan. The lender shall disclose a written description of the extended payment plan option, and the borrower shall be able to request the extended payment plan at any time during the third or subsequent consecutive small loan. Review your loan contract documents carefully for any extended payment plan option disclosure as eligibility is determined by the state of Indiana and the Veritec database. The extended payment plan must allow for a minimum of four equal installments over a period of not less than 60 days. The lender may not assess any fee or charge for the extended payment plan. See link below for a copy of the disclosure.
Finance Schedule
Licenses and Disclosures
ONLINE PRODUCTS
ADDITIONAL DISCLOSURES
SSN Disclosures
Extended Payment Plan
Indiana Small Loan Law Brochure
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Loans Rates and Terms by State
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Online Disclosures
Customer Notice: Payday Loans are typically for two- to four-week terms. Some borrowers, however, use Payday Loans for several months, which can be expensive. Payday Loans (also referred to as Payday Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction. See State Center for specific information and requirements.
California operations licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. Texas loans originated by a third-party lender, restrictions apply. Eastern Specialty Finance, Inc., D/B/A Check ‘n Go is licensed by the Delaware State Bank Commissioner pursuant to 5 Del. C. sec. 2201 et. al.
Check `n Go Online is not a direct lender in Texas, where instead it acts in the capacity as a Credit Services Organization in conjunction with third-party lenders.
*Active checking account open for at least 30 days.
*Approval depends upon meeting legal, regulatory and underwriting requirements. If approved and originated by 8:00 pm ET on a business day, online loans are typically funded no later than the following business day. All times and dates are based on Eastern Time (ET). Check `n Go and third-party lenders may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Check `n Go or third-party lenders may take that into consideration in the approval process.
**Transunion CreditView Dashboard is a third party provided service. The material has not been modified or validated by Check `n Go.
Payday Loans in Indiana are available for a maximum of $660 for online loans
We do not report credit in Texas.
Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. All available products subject to applicable lender’s terms and conditions. Actual loan amounts vary. See State Center for specific information and requirements.
Check `n Go currently operates online in: Alabama, California, Delaware, Florida, Idaho, Indiana, Kansas, Maine, Michigan, Missouri, North Dakota, South Carolina, Texas, Utah, Wisconsin, and Wyoming.
Check `n Go currently operates in store locations in: Alabama, Delaware, Idaho, Michigan, Missouri, Oklahoma, South Carolina, Texas, Utah, and Wisconsin.
The Company, individually or through its affiliates, is licensed as a Debt Collector by the California Department of Financial Protection and Innovation (DFPI), License Number 10435-99.
Notice to California consumers: Information on your privacy rights under the California Consumer Privacy Act can be found by clicking here.