Pheabs can offer loans in Indiana and across the entire state, including areas such as Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, Fishers, Bloomington, Hammond, Lafayette and Noblesville — to name a few.

Pheabs is an online loans connection service and we will match your application with Indiana loans company who is most likely to approve you and offer you the most affordable rates based on factors such as income and credit score.

By offering a completely online application, you can apply wherever you are, 24 hours a day and 7 days a week. We require just some basic details including your address, income and monthly expenses and if approved you can receive funds into your checking account on the same day or next working day. You will not need to visit the bank or go to a payday store, since this entire process is completely online!

Simply click on the ‘Get Started’ below and you will be required to enter our online form in less than 5 mins. We require basic information including your name, address, income, expenses and bank details — so we know where to send the money once approved. Choose how much you wish to borrow and how long for and wait for an instant decision from one of our partner lenders. Once you have electronically signed the loan agreement and the final checks have been made, your funds can be released and transferred to your bank account as quickly as possible.

Step One – Apply Online

Confirm how much you wish to borrow and how long for and submit your information online using our application form — have your address, income, expenses and bank details to hand.

Step Two – Get An Instant Decision

We run our checks and offer an instant decision, matching your loan enquiry with the best lender. You will need to electronically sign your loan agreement using a SMS code and email link.

Step Three – Receive Funds

If you are fully approved, you can receive funds into your bank account within 1 hour, 24 hours or next day.

A payday loan allows you to borrow money upfront until your next payday from work. So if you need to borrow money for an emergency or to cover you for this month, this type of product can give you the full sum upfront and then you can simply repay in full on your next pay cheque from work or over 3,6,12,24 or even 60 months if you would like to. 

The average loan amount is around $300 to $500, but you can also apply for as much as $1,000, $2,000 or $35,000 for large expenses or purchases.

Pheabs works with a number of leading US lenders, so you can find the best loans in Indiana or neighbouring states including Illinois or Ohio

Yes, it is possible to get payday loans in Indiana with bad credit, since a lot of the lenders we work with at Pheabs are willing to take a view of different credit histories and backgrounds.

Not all of our lenders are looking for perfect credit scores, some are looking for people with fair or bad credit who are employed and can afford monthly repayments — and those are the exact people they are looking to work with. Simply because you have been declined a loan in the past due to your credit score will not impact your ability to get the loan you need.

To get a loan with bad credit, just make sure that you have a stable income and employment and are committed to making your monthly repayments on time. To accommodate those with poor credit, our lenders may slightly adjust the amount you have requested to borrow, charge a higher rate or give you longer to repay your loan. We may also offer alternatives for bad credit including credit unions, title loans or secured loans.

Yes, we can do no credit check loans in Indiana — but very often, your application will undergo a credit check with Pheabs to determine your eligibility. Since we offer mostly payday loans and personal loans, these are unsecured and sometimes the only way to check someone’s eligibility is to run a credit check.

But this should not deter you from applying. Our loans connection service is able to match people from all backgrounds and credit histories, so if you are looking for a no credit loan, this is not a problem. We may offer loans that require collateral such as title loans online to help you get the funds you need.

Payday loans can sometimes be an expensive form of finance, depending on your credit score and the rate that you are charged. If you fall behind on payments, the interest rates can be quite high and it can make your loan rather costly.

A payday loan in Indiana can certainly be a viable option if you have an immediate funding requirement or emergency expense and you need funds now. Before you apply, it is important to confirm that you can afford to repay your loan each month and not fall behind on repayments.

Since this type of finance can be costly, it is essential that you use it for emergency and short-term purposes only. This should not be used for paying off other high-cost loans or spending on non-essential or frivolous items, since this could lead to greater financial difficulty.

Pheabs is extremely passionate about helping borrowers find the right loan for them — and that is why we set up. We know how important getting a loan is to pay for an emergency or pressing bill and equally, how frustrating it can be if you are looking for finance but are being turned down.

Working with over 50 direct lenders, we will match your loan enquiry with the lender who is most likely to accept you and offer you the best rates. With a fully online application, you can receive an instant decision on the screen and if you pass the checks, you can receive money to your account as soon as possible.

There are no fees for applying and it will not impact your credit score in any way. We will always keep your data as safe as possible and we will not pass on your information to other companies without your permission.


Whilst the criteria varies from lender-to-lender, the general criteria to apply for a loan is:

  • Over 18 years of age
  • US resident
  • Have a US checking account and SSN
  • Have a stable employment and income
  • Can afford monthly repayments
  • Have a valid cell phone and email address

If you need a payday loan in Indiana, Pheabs may be able to help! Fill in our online form to search the best lender for you.


Funds can usually be available within the same day of applying, although if you meet the criteria and are a good candidate, you can sometimes be funded in just 1 hour or even 15 minutes. 

Small loans of just $300 or $500 can usually be processed much faster, because there is not as much at stake for the lender. But if you have applied for large loans of $2,000 or $5,000 this may take a little longer since the lender may have to ask for proof of income or a pay stub to confirm that you can afford to repay your loan.

If you want money fast, you should ideally try to apply during work hours of 9AM to 5PM since lenders are more likely to respond and process loans — and you should also stay close to your phone after applying just in case the loan company has any follow up questions to ask you.

Do You Offer Payday Loans Across the Whole State of Indiana?

Yes, Pheabs can offer loans across the whole of Indiana and 37 states where payday lending is legal including Florida, Ohio, Texas, California and more.

How Much Does A Payday Loan In Indiana Cost?

Payday loans in Indiana range from 36% APR for good credit and around 300% to 600% for either bad credit or more short-term products that are designed to only last a few weeks. Whilst these rates might seem high, they are only supposed to be used for a few weeks and please note that the APR is multiplied as though the product lasts for an entire.

How Long Can I Borrow A Payday Loan For?

We offer loans that range from 1 month to 60 months, repaid in equal monthly installments. For borrowing small amounts, you may only need to borrow for a few weeks, whereas longer term loans may be better suited to repay over 24, 48 or 60 months.

Is Pheabs A Direct Lender?

No, Pheabs is not a direct lender, we work with over 50 lenders as an introducer and our technology can match your loan requirements with the best lender for you. We simply receive a small commission from the lender if your application is successful.

How Much Can I Borrow?

Customers can apply to borrow $100 to $35,000 based on factors such as their monthly income, credit score, affordability and any other outstanding debts that they have. For borrowing larger amounts, our partner lenders may require proof of income and affordability.

Are There Any Fees For Applying?

No, we will not charge any fees when you make a loan request through our site. We work on commission with our partner lenders, meaning we may earn commission for successful submissions.

Can I Repay My Loan Early?

Yes, you will always have the option to repay your loan early and you can save quite a lot on the interest charges by doing so. Simply contact your lender directly if you wish to make overpayments or to clear your account in full. Most lenders will allow you to do this directly on their website through a login or my account section.