- Payday loans in Muncie follow Indiana law (Indiana Small Loan law (IC 24-4.5-7)).
- Borrowing $300 at the state maximum costs $44.
- 3 credit unions are headquartered in Muncie; ask about small-dollar loans before borrowing.
Muncie at a glance
| Muncie | |
|---|---|
| Population (2024 Census estimate) | 65,320 |
| Change since 2020 | +0.3% (holding steady) |
| County | Delaware County |
| Size rank among 482 Indiana places we cover | 13th |
| Share of Indiana’s population | 0.9% |
| Nearest larger city | Noblesville (about 34 miles) |
| Credit unions headquartered in town (NCUA) | 3, 3 federal |
| Credit unions headquartered in Delaware County | 3 |
| Other towns within 25 miles | 41 (about 161,726 residents) |
| Typical payday APR statewide (CRL 2023) | 372% |
Payday lending in Muncie follows Indiana state law. Lenders that serve Muncie, in a store or online, must be licensed by the Indiana Department of Financial Institutions.
Credit unions in Muncie
These credit unions have their main office in Muncie, according to NCUA call report data (June 2026):
- Primetrust Financial Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Thrive Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- First County Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
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.
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Payday loan rules that apply in Muncie
The main Indiana rules for a payday loan in Muncie: 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 Muncie
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 Delaware County before you borrow
- Call or text 211 for help with rent, utilities and food in Delaware County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Muncie
The nearest larger city is Noblesville, about 34 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 Muncie?
Yes. Payday loans are legal in Muncie under Indiana state law, and lenders must be licensed by the Indiana Department of Financial Institutions.
How much does a payday loan cost in Muncie?
At Indiana’s maximum fee, borrowing $300 costs $44. The typical statewide APR was 372% in 2023.
Are there credit unions in Muncie?
Yes. NCUA data lists 3 credit unions with a main office in Muncie, including Primetrust Financial Federal Credit Union and Thrive Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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