Loans in Wells County, IN: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Wells County, IN.
The median household in Wells County earns $71,957 a year, about the same as the Indiana median of $71,957. About 7% of residents live below the federal poverty line, and 24.4% of households rent their home. 11.6% of households have no home internet; our form works on any phone.
What you need for a payday loan in Wells County
Here's what to have on hand before you start your payday loan request in Wells County:
- 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 Wells County
What Wells County borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Wells 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 Wells County
Banks with branches in Wells County
7 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 | 2 | 102 N Jefferson St, Ossian 46777 |
| PNC Bank, National Association | 1 | 304 W Market St, Bluffton 46714 |
| Flagstar Bank, National Association | 1 | 101 S Main St, Bluffton 46714 |
| First Bank of Berne | 1 | 404 N Main St, Bluffton 46714 |
| First Merchants Bank | 1 | 1405 Baker Pl, Bluffton 46714 |
| 1st Source Bank | 1 | 124 S Main St, Bluffton 46714 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Wells County
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Three Rivers | 2030 Commerce Dr, Bluffton 46714 |
| Kemba | 1111 S Adams St, Bluffton 46714 |
| Profed | 1644 N Main St, Bluffton 46714 |
| Midwest America | 1840 N Main St, Bluffton 46714 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Wells County
All Indiana counties and cities
Frequently asked questions
Are payday loans legal in Wells County?
Wells 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 Wells 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 Wells County?
Options include 7 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 Wells County?
Fill out our short online form from anywhere in Wells 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 Wells County, IN?
You can apply at banks, credit unions and lenders in Wells 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 an emergency loan in Wells County?
Yes. When an unexpected bill comes up, Wells 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.
Can I get a loan in Wells 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. Wells County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Wells County with bad credit?
Yes, many lenders in our network work with Wells 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.