Indiana · Unpaid personal loan

Unpaid personal loan in Indiana small claims

Friend or family owes you money? Recover it in small claims.

Lending money to a friend or family member without repayment can lead to a small claims case. You do not need a formal promissory note to sue, but having written evidence of the loan — even text messages or emails confirming the amount and a promise to repay — dramatically strengthens your case. The key elements are proving the loan was made, the amount, and that repayment was due.

In Indiana, small-claims cases are heard in the Small Claims docket of the Circuit or Superior Court and you can sue for up to $10,000.

Good to know: Indiana small claims are heard in the small claims docket/division of the county Circuit or Superior Court. Marion County (Indianapolis) is the exception: it has separate township-based Small Claims Courts governed by Ind. Code 33-34, and the statewide Small Claims Manual expressly does not cover Marion County's jurisdiction or procedures. Confirm local court rules with the specific county clerk.

Unpaid personal loan: steps that matter

1. Gather all evidence of the loan: bank transfers, cash-withdrawal records, texts, emails, or any written note agreeing to repay.
2. Calculate the amount owed including any agreed interest, and confirm when repayment was supposed to occur.
3. Send a written demand for repayment with a clear deadline and keep proof you sent it.
4. Confirm you are within the statute of limitations below before filing — the clock may have started from the repayment due date.
5. File in the court where the defendant lives or where the loan was agreed to.

Filing your Notice of Claim (a "small claims complaint"); if suing on an account, a Notice of Claim plus an Affidavit of Debt in Indiana

1. Confirm jurisdiction, venue, and that the claim is timely. Before filing, the manual directs you to confirm the small claims court has authority (jurisdiction) to hear the case, that the county is the proper venue, who the parties are, and that the statute of limitations has not expired. Proper venue is the county where the transaction occurred, the obligation/debt was incurred, the obligation is to be performed, the defendant resides, or the defendant works at the time of filing. (Indiana Small Claims Manual 2026, pp. 11-12.)
2. Fill out the Notice of Claim form. "You must fill out several copies of a Notice of Claim form by briefly and clearly stating in writing the nature and amount of your claim against the Defendant... Notice of Claim forms are available from the clerk's office without charge." (Indiana Small Claims Manual 2026, p. 15.)
3. Attach supporting documents (contract or Affidavit of Debt). "If your suit is based upon a written contract, you must provide to the clerk of the court one (1) copy of the contract for the court records and one (1) copy for each Defendant." "If suing on an account, you must file with the Notice of Claim an Affidavit of Debt." (Indiana Small Claims Manual 2026, p. 15.)
4. Give the clerk the defendant's correct name and address. "You must give the clerk the correct name, address and telephone number of the Defendant. Be sure the named Defendant is the real party in interest." (Indiana Small Claims Manual 2026, p. 15.)
5. Pay the filing/service cost and have the defendant served. "You must pay the cost of filing the suit regardless of whether you choose to have the Notice of Claim delivered by certified mail, or to have the sheriff deliver it to the Defendant. If you win your suit, the Defendant will be ordered to repay this money to you. You will not be repaid if you lose." (Indiana Small Claims Manual 2026, p. 15.)

Filing fees: Filing and service fees are set locally and vary; confirm the current amount with the court. A fee waiver is available if you cannot afford the costs.

Deadline that applies to your unpaid personal loan

A personal loan is a contract or debt claim — you lent money on a promise to repay. If you have a written loan agreement, the written-contract statute of limitations typically applies. If the loan was only a verbal agreement, the oral-contract or debt period usually governs. The limitations clock generally starts from the date repayment was due or the last payment made.

Written contract for payment of money: 6 years (Ind. Code § 34-11-2-9)

Answering a lawsuit: No written answer is required. The Notice of Claim sets a place, date, and time when the defendant must appear; the defendant responds by appearing on that date. If the defendant fails to appear after proper service, the plaintiff may seek a default judgment.

Serving the defendant: After filing, the Notice of Claim must be served on each defendant (by certified mail or by the sheriff) at least ten (10) days before the date the parties are to appear in court. If the defendant cannot be located within that time, the plaintiff may dismiss or request a continuance and serve an "Alias Notice of Claim." Service must comply with Indiana Rules of Trial Procedure (Rule 4).

Appeals: Either party who is dissatisfied with the judgment may appeal to the Indiana Court of Appeals, but the appealing party must take the required action within thirty (30) days of the Small Claims Court judgment. Because appeal procedures are technical, the manual advises consulting legal counsel promptly. (This is distinct from vacating a default judgment, which must be requested within one year.)

All Indiana small-claims deadlines

The table below lists the filing deadlines Small Claims docket of the Circuit or Superior Court applies by claim category. Confirm the exact rule that applies to your unpaid personal loan claim with your court before relying on any figure.

Indiana small-claims forms for your unpaid personal loan case

These forms are published by the Small Claims docket of the Circuit or Superior Court. Download and complete them before filing.

• Notice of Claim (Small Claims) form: The initiating document that starts a small claims case; the plaintiff states the nature and amount of the claim. The Indiana Small Claims Manual states these forms are provided by the local county clerk's office without charge; Indiana does not publish a single statewide fill-in Notice of Claim PDF, so obtain the form from your county clerk.
• Affidavit of Debt in a Small Claim: Required to be filed with the Notice of Claim when the suit is on an account; sworn statement of the debt owed. Official statewide form referenced and linked in the Indiana Small Claims Manual (2026).

This page is general information, not legal advice, and CaseBySelf is not a law firm. Rules, fees, and deadlines change and vary by court: verify with the specific court where you file. Source: Indiana Judicial Branch - Small Claims Manual (information page). Last reviewed 2026-06-23.