IN · LOAN-AGMT · Updated July 2026 · Free
Indiana Loan Agreement
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Indiana at a glance: UCCC Consumer Cap: 21% to 36% (Ind. Code § 24-4.5-3-201) · Default Written Cap: 8% (Ind. Code § 24-4.6-1-101) · Governing Law: Indiana Code Title 24
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Overview
Loan Agreements in Indiana
Indiana caps interest rates on consumer loans under the Uniform Consumer Credit Code (UCCC) at 21% to 36%, while standard written contracts are subject to an 8% default cap.
Key Facts
Indiana Loan Agreement — Quick Reference
| Requirement | Indiana Rule |
|---|---|
| UCCC Consumer Cap | 21% to 36% (Ind. Code § 24-4.5-3-201) |
| Default Written Cap | 8% (Ind. Code § 24-4.6-1-101) |
| Governing Law | Indiana Code Title 24 |
Legal Requirements
Indiana Legal Requirements
- Interest rates must not violate the state's general lending caps.
Governing Laws
Indiana Governing Laws
Read the full text of these laws at Cornell Law School's Indiana legal resources or your state legislature's official website.
Questions & Answers
Indiana Loan Agreement — Frequently Asked Questions
What is the default interest rate in Indiana if not written?
8% per year.