Loans in Adams County, IN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Adams County, IN.
The median household in Adams County earns $65,289 a year, 9% below the Indiana median of $71,957. About 11% of residents live below the federal poverty line, and 16.5% of households rent their home. 19.4% of households have no home internet; our form works on any phone.
What you need for a payday loan in Adams County
Most Adams County applicants can finish in one sitting if they have these ready:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Adams County
What Adams County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Adams County
Payday Loans Legal
Payday loans, called small loans, are legal in Indiana from DFI-licensed lenders under the Uniform Consumer Credit Code, IC 24-4.5-7.
Personal Loans
Supervised loans: 36% to $2,600, 21% to $5,200, 15% above (or 25%).
Title Loans
Indiana small (payday) loans may not be secured by any personal property other than a check or debit authorization, so a payday loan cannot be a title loan.
Banks and credit unions in Adams County
Banks with branches in Adams County
13 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Farmers & Merchants State Bank | 4 | 215 E Line St, Geneva 46740 |
| First Bank of Berne | 3 | 222 Heritage Trl, Berne 46711 |
| Mercer Savings Bank | 3 | 1205 Us Highway 27 N, Berne 46711 |
| First Merchants Bank | 1 | 520 N 13th St, Decatur 46733 |
| Flagstar Bank, National Association | 1 | 1 Yorkshire Dr, Decatur 46733 |
| Fifth Third Bank, National Association | 1 | 304 E Monroe St, Decatur 46733 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Adams County
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Three Rivers | 860 S 13Th St, Decatur 46733 |
| Profed | 511 S 13Th St, Decatur 46733 |
| Midwest America | 900 S 13Th St, Decatur 46733 |
| Central Soya | 1200 N 2Nd St, Decatur 46733 |
Source: NCUA credit union branch data, June 30, 2026.
All Indiana counties and cities
Frequently asked questions
Are payday loans legal in Adams County?
Adams County follows Indiana law. Payday loans, called small loans, are legal in Indiana from DFI-licensed lenders under the Uniform Consumer Credit Code, IC 24-4.5-7.
Are title loans legal in Adams County?
Indiana small (payday) loans may not be secured by any personal property other than a check or debit authorization, so a payday loan cannot be a title loan.
Where can I get a small loan in Adams County?
Options include 13 bank and 4 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Adams County?
Fill out our short online form from anywhere in Adams County. We share it with lenders in our network that serve Indiana; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Where can I get a loan in Adams County, IN?
You can apply at banks, credit unions and lenders in Adams County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Indiana residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I apply for a loan online in Adams County?
Yes. You don't need to visit a branch or storefront anywhere in Adams County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Indiana. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Adams County with bad credit?
Yes, many lenders in our network work with Adams County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get a loan in Adams County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Adams County residents can start any time, and it takes about 3 minutes.