Loans in Lake County, IN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lake County, IN.
The median household in Lake County earns $71,493 a year, about the same as the Indiana median of $71,957. About 14% of residents live below the federal poverty line, and 28.3% of households rent their home.
What you need for a payday loan in Lake County
Most Lake 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 Lake County
What Lake County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Lake 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 Lake County
Banks with branches in Lake County
128 FDIC-insured bank branches from 17 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Centier Bank | 24 | 117 E Joliet St, Crown Point 46307 |
| JPMorgan Chase Bank, National Association | 15 | 651 E Commercial Ave, Lowell 46356 |
| Peoples Bank | 12 | 1904 Indianapolis Blvd, Whiting 46394 |
| Old National Bank | 12 | 6603 Columbia Ave, Hammond 46320 |
| BMO Bank National Association | 11 | 27 Sibley St, Hammond 46320 |
| Fifth Third Bank, National Association | 9 | 310 E Joliet St, Crown Point 46307 |
| First Merchants Bank | 8 | 4740 Indianapolis Blvd, East Chicago 46312 |
| First Financial Bank | 7 | 2611 Highway Ave, Highland 46322 |
| Horizon Bank | 6 | 1349 Calumet Avenue, Hammond 46394 |
| American Community Bank of Indiana | 5 | 7880 Wicker Ave, Saint John 46373 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lake County
37 credit-union locations from 23 credit unions.
| Credit union | Location |
|---|---|
| Finans | 7017 Kennedy Ave, Hammond 46323 |
| Everwise | 8615 Wicker Ave, Saint John 46373 |
| Credit Union 1 | 680 N Union St, Hobart 46342 |
| Purdue | 11330 Broadway, Crown Point 46307 |
| Notre Dame | 1200 119Th St, Whiting 46394 |
| National Police | 8585 Broadway # 742, Merrillville 46410 |
| Tech | 10110 Randolph St, Crown Point 46307 |
| Regional | 7144 Kennedy Ave, Hammond 46323 |
| U S #1364 | 8400 Broadway, Merrillville 46410 |
| Allegius | 2027 E 37Th Ave, Hobart 46342 |
| Chiphone | 17 W 73Rd Ave, Merrillville 46410 |
| Advance Financial | 31 W Us Highway 30, Schererville 46375 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Lake County
All Indiana counties and cities
Frequently asked questions
Are payday loans legal in Lake County?
Lake 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 Lake 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 Lake County?
Options include 128 bank and 37 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 Lake County?
Fill out our short online form from anywhere in Lake 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.
Can I get a loan in Lake County with bad credit?
Yes, many lenders in our network work with Lake 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.
Where can I get a loan in Lake County, IN?
You can apply at banks, credit unions and lenders in Lake 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 get a loan in Lake 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. Lake County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Lake County?
Yes. When an unexpected bill comes up, Lake County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.