Indiana Payday Loans and Cash Advances

Caught short between paychecks?
Our payday loans can help!

man looking at bills

Need money to help make ends meet? With Check `n Go, it’s easy to apply for a payday loan in Indiana. Apply in person at one of nearly 30 payday loan locations throughout the Hoosier state, including Indianapolis, South Bend, Evansville, Fort Wayne, Gary and Terre Haute. If approved, you could receive your funds before leaving the store! Our payday loans at Indiana locations range from $50 to $605.

You also have the option to apply online for a payday loan – without ever leaving your home. The Check `n Go online application is ready when you are. If approved, your funds could be deposited to your checking account as soon as the next business day. Our online payday loans for Indiana residents range from $100 to $605.

Check `n Go can also help with your other money needs – like check cashing, Netspend prepaid debit cards and Western Union Financial Services. Get more information online or stop by a store near you.

Ready to get started? Apply online or start your store application now and finish at the store. To apply for a loan, we require at least a valid ID, a Social Security number, an active checking account, a working phone number and proof of income. If you’ll be applying at a store, call ahead to confirm what you’ll need. We look forward to serving you!

Indiana Rates and Terms

Online Products:
Payday Loans Online

Instore Products:
Payday Loans
Prepaid Card

Licenses & Disclosures

Online Products:
Payday Loan Warning

Instore Products:
Payday Loan Warning

Additional Disclosures:
SSN Disclosure
Extended Payment Plan


Privacy & Security

Whether online, over the phone, or at our neighborhood locations, we set the industry standard for integrity and security.

Learn More.

Indiana Payday Loan Rates and Terms

Availability of Payday Loan

Check ‘n Go offers payday loans both online and at store locations near you. Find your nearest Check ‘n Go store.

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, available by clicking here.

Maximum Payday Loan Amount

The maximum loan amount for Indiana residents will be 20% of their gross monthly income or $605, whichever is less.

  • 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 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 and in-store loans.

Only one loan is permitted at Check ‘n Go, whether online or at a store.

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.


The state of Indiana allows for extended payment plans after an initial loan followed by three consecutive small loans. 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. 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.

Finance Schedule


  • A regular, verifiable source of income
  • An active checking account
  • A working phone


  • Your most recent pay stub OR your most recent bank statement
  • Your checkbook
  • Driver's License or government -issued photo ID

Hours of Operation for Online Customer Service
Monday – Friday 8am – 8pm (ET) Saturday 9am – 4pm (ET) Sunday Closed

7755 Montgomery Road Cincinnati, OH 45236

Online Disclosures
Customer Notice: Payday Loans are typically for two-to four-week terms (up to six months in IL). 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.

Check ‘N Go OH License #SM.501663, #CS.900077, and #CC.700416. Rhode Island licensed check casher. California operations licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law and the California Financing Law. Texas and Ohio originate 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., and expires 12/31/2018.

Check `n Go Online is not a direct lender in Texas and Ohio, where instead it acts in the capacity as a Credit Services Organization in conjunction with NCP Finance Limited Partnership as the direct lender for both in-store and online loans. Integrity Texas Funding also acts a direct lender in Texas for in-store loans only.

*Approval depends upon meeting legal, regulatory and underwriting requirements. If approved, online loans are funded the next business day. All times and dates are based on Eastern Standard Time (EST). 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.

We do not report credit in Ohio.
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, Hawaii, Idaho, Illinois, Indiana, Kansas, Maine, Michigan, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Texas, Utah, Wisconsin, and Wyoming.

Check `n Go currently operates in store locations in: Alabama, California, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, Tennessee, Texas, Utah, Wisconsin, and Wyoming.

© 2018 Check `n Go. All rights reserved. 7755 Montgomery Road Cincinnati, OH 45236.

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