Cash advances in Union follow Indiana law: up to $550, fee 15% on first $250, 13% on $250-$400, 10% on $400-$550, term 14-31 days. The state’s typical $300 loan costs $44 in fees and repays $344 — about 382% APR.
| Max amount | $550 |
|---|---|
| Max fee / rate | 15% on first $250, 13% on $250-$400, 10% on $400-$550 |
| Term | 14-31 days |
| Rollovers | Forbidden |
| APR on the typical loan | 382% |
| Regulator | Indiana Department of Financial Institutions |
Statute: Ind. Code § 24-4.5-7-101 et seq. · details on the Indiana state page
| County | Adams County/Benton County/Clark County/Clinton County/Crawford County/DeKalb County/Delaware County/Elkhart County/Fulton County/Gibson County/Hendricks County/Howard County/Huntington County/Jasper County/Johnson County/LaPorte County/Madison County/Marshall County/Miami County/Montgomery County/Ohio County/Parke County/Perry County/Porter County/Randolph County/Rush County/Shelby County/St. Joseph County/Tippecanoe County/Union County/Vanderburgh County/Wells County/White County/Whitley County |
|---|---|
| Population | 120,192 |
| Median household income | $57,201 |
| Rank in Indiana | #14 by population among covered cities |
| State rules apply | Allowed · cap $550 |
High-cost lenders size loans against your deposit flow, not your address. In Union, where the median household brings in $57,201 a year, a $300 advance with a $44 fee is one of the smaller recurring hits a budget can take — which is exactly why the cap exists.
Derived from ’s own worked example (a $300 loan carrying a $44 fee). Round figures in dollars.
| Amount | Fee for the term | Total repaid | APR ballpark |
|---|---|---|---|
| $100 | $1,467 | $1,567 | 382% |
| $255 | $3,741 | $3,996 | 382% |
| $300 | $4,401 | $4,701 | 382% |
| $500 | $7,335 | $7,835 | 382% |
Fee rate: 15% on first $250, 13% on $250-$400, 10% on $400-$550 · statute Ind. Code § 24-4.5-7-101 et seq.. Some states hand you the amount minus the fee; others fund the full amount — your contract controls.
Composite scenarios built from typical situations and the cost math on this page — not quotes from named individuals.
An urgent prescription lands between paychecks, full price at the counter. A small advance gets the prescription the same day; the loan costs $75 and settles at $575 with the next check.
Small advances are where app-based options are usually cheaper than any loan.
A refrigerator dies in summer. A used replacement is available today at a cash price. The advance buys the replacement now instead of rent-to-own; the $15 fee on a $115 repayment is a one-time cost against months of installments.
One-time fees compound slower than weekly rental contracts — compare totals.
A household is one bill behind and the utility sets a reconnect deadline later this week. Borrowing now keeps the power on and avoids a reconnect charge; repaying $293 on payday costs $38 for the bridge.
Reconnect fees plus deposit requirements often exceed the advance fee — but only compare before borrowing.
Indiana law sets one price for the whole state: up to $550 with 15% on first $250, 13% on $250-$400, 10% on $400-$550. A typical $300 advance costs $44 and repays $344. City does not change the price — state does.
Storefront locations change often; this site does not list individual stores. The national chains and independents price at the same state cap — verify any location with the Indiana Department of Financial Institutions before you sign. Our cash advance places guide covers the chains and the license check.
Lenders typically want steady income with a deposit history in your account — a pay stub or benefits letter is enough at most no-credit-check lenders. Median household income in Union is $57,201; lenders set no city-specific threshold.
Yes — storefront lenders pay cash during business hours, and app advances with instant transfer reach a debit card in minutes. Online ACH loans usually arrive the next business day.
Ready to move? Request your cash advance now — free to check, no hard credit pull at this step.
Free check for Union, IN · no hard credit pull at this step.
