Bad Credit Loans in Indiana, IN


Best Bad Credit Loans in Indiana, IN

4.9/5 (Votes: 132)
What does Jora offer?
  • Loan amounts $500 to $2,600
  • APRs between 170% and 349%
  • Your request will be funded that same day
Example: in Missouri a $2,000 installment loan would require 48 bi-weekly payments of $179.54, which includes $6,618.50 of interest and an APR of 230%
4.9/5 (Votes: 85)
What does Bad Credit Loans offer?
  • Loan Amounts $500 to $5000
  • Rates from 5.99% to 35.99%
  • Repayment terms 3 to 36 months
Example: Borrowing $2000 over a 12 month period will cost you around $235 a month with a total cost of credit of $2400
4.8/5 (Votes: 124)
What does PersonalLoans offer?
  • Loan amounts $500 to $35,000
  • Rates from 5.99% to 35.99%
  • Repayment terms 3 to 72 months.
Example: Borrowing $4,000 over a 2 year period will cost you around $182.74 a month with a total cost of credit of $4,385.74.
4.3/5 (Votes: 67)
What does CashAdvance offer?
  • Loan amounts $100 to $1,000
  • You may qualify for a loan, regardless of credit type.
  • Quick connect customers with lenders
Cash Advance provides a free service that aims to quickly connect customers with lenders that offer loans that may work for them.
4.2/5 (Votes: 74)
What does Check Into Cash offer?
  • Loan amounts $50 to $1,000
  • Emergency Cash - Apply in minutes
  • Application is fast and easy!
Our advance loans are available depending on the state in which you live and are one of the easiest ways to get money fast when you need it most.
4.2/5 (Votes: 82)
What does Loan by Phone offer?
  • Loan amounts $100 to $1,500
  • Very simple loan application
  • Get money in as little as 24 hours!
All loan applications and requests are guaranteed confidential and all transactions are governed in accordance with the laws of your state of residence.

Where to Get a Personal Loans for Bad Credit in Indiana?

If you live in Indiana and you want to get your hands on a loan with bad credit, then we can help you out with the entire process. In this guide, we’re going to discuss where you can get your personal loans for bad credit in Indiana, IN, the steps you should follow to do so, and what you can do to improve your credit score.

First off, if you want to loan a substantial amount of money, then you’ll probably have to opt for a secured loan in which you put something up as collateral. However, there are also some services like LendUp that will be able to provide you with an unsecured loan, though it will be capped.

For example, LendUp will only provide users with loans up to $250, so they're ideal if you just need a little bit of money. On the other hand, you can apply to somewhere like My Flex Cash, where you’ll be able to get your hands on a loan of up to $1000, though the interest rate will rise commensurately.

How to Get the Bad Credit Loans in Indiana, IN?

  • When looking for the right loan, don’t go overboard on the amount, as you’ll have to pay a higher interest rate for a riskier loan. Only get what you need immediately to keep the risk low for you and the lender.

  • If you have some time before you need to take out your loan, you should devote all of your efforts to improving your credit score so that you can be eligible for better terms.

  • A secured loan may sound like a guaranteed way to get a loan, but keep in mind that you’ll lose a lot more than some points on your credit score if you fail to pay it back.

  • Bad credit personal loans in Indiana will go by far more smoothly if you take your time to research all of the available options instead of rushing through them.

  • Never take out another loan to pay back an existing line of credit, as you’ll enter a feedback loop.

How to Change Your Credit History?

Personal loans with poor credit are usually the last resort, but if you have the time to spare, then you should do what you can to improve your credit score. Your credit history will have a massive impact on the loans that you have at your disposal, and there are a few ways that you can make it look better.

The first thing that you should do is get your credit report, and you can go to Equifax, Experian, or Transunion to get your hands on it. After that, carefully go over the results of the report and see whether or not anything stands out to you, as it's possible that errors have made your score worse than it really is.

You can dispute any accounts that don’t look right to you, and if the one who claimed the account doesn’t reply to your dispute within a set period, you can get it removed from your report. You’ll also want to make sure that all of your personal info is up to date on your credit report, as that will make changes go through quicker.

The next thing you should do is prioritize the accounts that you see on your credit report. Most of the time, you should deal with the outstanding balances that have been on your credit report for the longest, as these will do the most damage to your score and improve it the most when paid off.

Another thing to keep in mind is that you can't expect this process to be instantaneous, but even if it doesn't immediately affect the terms of your loan, you'll at least be on the right path. Properly managing your credit has quite a few advantages, not to mention the weight that it will be sure to take off of your shoulders.

The Terms of the Bad Credit Loans in Indiana

Personal loans for people with poor credit are designed to be less attractive than the options for clients who have a good credit score. This is a simple fact because the lender will see someone with low credit as a far higher risk than someone who has a history of paying off their accounts.

To this extent, you should expect higher interest rates, as some of them will go as high as 30%. Personal loans for people with bad credit in Indiana, IN will usually be somewhere between 20% and 30% when it comes to the amount of interest that you can expect to pay.

For this reason, you may want to minimize the amount that you borrow when looking for bad credit loans in Indiana, IN. This will help reduce the amount of money that you have to pay for your loan in the long run, and there may be other costs tacked onto the loan process.

A lot of lenders who work with clients who have poor credit will also include an administrative fee that can bump up the price by an additional 5%. Keep in mind that on a larger loan, like one for $5000, this can come out to a whopping $250, so always account for any fees that may be hidden away.

If you want better terms for your loan, take some extra time to see who can offer you what, as there are a lot of different creditors who may be willing to work with you. Even a slight difference in interest rate can make a huge difference, especially if you’re looking for a big loan.


While personal loans for people with bad credit are sub-optimal by their very design, you can make the most of the situation by putting additional effort into finding the perfect one for you. Don’t be afraid to do your research and compare the options that you have available to find the perfect one.

Always remember that you should only take a secured loan if you have no other choice, as the risk is simply too high to justify in a lot of cases. There are more and more unsecured loans available for people with poor credit by the day, but you may have to stomach a steeper interest rate.

We hope that we’ve been able to help you figure out how to get your hands on a loan in Indiana with poor credit. Remember that you can use this as a starting point to repair your credit score. Even though it will take some time, the result should be worth it, in the end.

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