- Payday loans in Earl Park follow Indiana law (Indiana Small Loan law (IC 24-4.5-7)).
- Borrowing $300 at the state maximum costs $44.
- The nearest larger city is West Lafayette, about 31 miles away.
Earl Park at a glance
| Earl Park | |
|---|---|
| Population (2024 Census estimate) | 364 |
| Change since 2020 | +1.4% (growing) |
| County | Benton County |
| Size rank among 482 Indiana places we cover | 445th |
| Nearest larger city | West Lafayette (about 31 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 11 (about 18,090 residents) |
| Typical payday APR statewide (CRL 2023) | 372% |
There is no separate Earl Park payday law: Indiana rules apply here, and any lender serving Earl Park residents, online or in person, needs a license from the Indiana Department of Financial Institutions.
Credit unions near Earl Park
NCUA data (June 2026) shows no credit union headquartered in Earl Park or Benton County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Earl Park
In short, Indiana rules that cover Earl Park include: maximum loan: $605, and no more than 20% of your gross monthly income; maximum fee: 15% of the first $250, 13% of $251–$400, 10% of $401–$605; minimum term: 14 days. See the full Indiana payday loan rules.
What a $300 loan costs in Earl Park
At Indiana’s maximum fee, borrowing $300 costs $44. Statewide, the typical APR on a $400 payday loan was 372% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Benton County before you borrow
Before a payday loan, Earl Park residents can usually find something cheaper:
- Local assistance through 211 covering Benton County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Earl Park
The nearest larger city is West Lafayette, about 31 miles away. See all 482 Indiana cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Earl Park?
Yes. Payday loans are legal in Earl Park under Indiana state law, and lenders must be licensed by the Indiana Department of Financial Institutions.
How much does a payday loan cost in Earl Park?
At Indiana’s maximum fee, borrowing $300 costs $44. The typical statewide APR was 372% in 2023.
Where is the nearest credit union to Earl Park?
NCUA data shows no credit union headquartered in Earl Park or its county. Use the NCUA credit union locator to find branches and online credit unions.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Indiana DFI — Small loan law borrower rights
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary