At Index Loans, we provide personal loans reaching $5,000. Your eligibility for our financing options may vary based on your application details and your residential state.

For comprehensive information on the Rates, Terms, and Licenses, and to discover the products available in your area, please visit our Rates, Terms, and Licenses section.

Simple interest is interest that is charged only on the principal of the loan and not on accumulated interest.

At Index Loans, a personal installment loan is a financing solution that provides individuals with a sum of money upfront, which is then repaid over time in fixed payments.
Our personal installment loans are crafted with a predictable repayment schedule, allowing you to make consistent payments throughout the loan term. These loans are unsecured, freeing you from the need to secure them against collateral.

Loan amounts and terms are tailored to meet various financial needs and comply with state laws and lending criteria. Interest rates are established based on your credit standing and the specifics of your loan request, such as the amount borrowed and the repayment period. These rates are fixed, giving you the stability of a constant annual percentage rate (APR) throughout the life of the loan.

Personal installment loans from Index Loans are intended for a wide range of personal expenditures, from handling unexpected bills to financing significant purchases or consolidating debt. To see how much you can qualify for, complete our online application, or contact our Customer Support Team for in-depth information and support.

The APR stands for Annual Percentage Rate. It represents the cost of your credit as yearly rate. It is comprised of the interest and certain fees and costs that you will pay for the credit. The APR allows you to compare loans and credit offers using the APR as a benchmark, because it encompasses both the interest and certain fees that you will pay for the credit. Essentially, the APR gives you a broader view of the cost of your credit than interest rate alone. To learn more about our loans’ APR, please visit our Rates, Terms, and Licenses page for your state of residence.

Index Loans does not charge application or origination fees. To the extent allowed by state law, Index Loans charges late fees for late or missed payments, or non-sufficient funds (NSF) fees for checks and ACH payments returned unpaid due to insufficient funds.

Our loan products at Index Loans feature rates and terms that are tailored to comply with the regulations of your home state. Understanding that financial needs and state laws vary, we are committed to offering a variety of rate options to best serve our customers. We encourage you to explore our Rates, Terms, & Licenses page, where you can find the most current and relevant information pertaining to the lending guidelines applicable to your state.

In the event that you're a victim of identity theft, it's crucial to act swiftly to protect your personal information. Here are the recommended steps you should follow:

• File a Police Report: Go to your local police department to file a detailed report regarding the suspected identity theft. Be sure to get a copy of the police report or the report number.
• Report to Federal Trade Commission (FTC): You can file an Identity Theft Report with the FTC, which helps in documenting the theft and developing a recovery plan. You can do this online at the FTC's IdentityTheft.gov website.
• Notify Credit Bureaus: Contact one of the three major credit bureaus (Equifax, Experian, or TransUnion) to place a fraud alert on your credit reports. This alert makes it harder for an identity thief to open more accounts in your name.
• Review Your Credit Reports: Once you've placed a fraud alert, you're entitled to free copies of your credit reports. Review them for any transactions you don't recognize.
• Close Tampered Accounts: Reach out to the fraud department of each business where you know an account was opened or changed without your permission. Follow up in writing.
• Secure Your Social Security Number (SSN): If your SSN was compromised, contact the Social Security Administration for advice on how to proceed.
• Change Online Accounts: Change Logins, Passwords, and PINs for your accounts.
• Document Your Actions: Keep a log of all conversations, including dates, names, and phone numbers. Note time spent and any expenses incurred, in case you're able to seek restitution in a judgment against the thief. Consider a Credit Freeze: This makes it more difficult for someone to open new accounts in your name. It’s a stressful situation to handle, but taking these actions promptly can help mitigate the damage done by identity thieves. For more guidance, consider contacting a non-profit consumer credit counseling service or legal assistance.