Regulated consumer loans, not made pursuant to open-end credit and in which the principal is one thousand dollars ($1,000) or less, shall be scheduled to be payable in substantially equal installments at equal periodic intervals except to the extent that the schedule of payments is adjusted to the seasonal or irregular income of the debtor, and: (1) Over a period of not more than thirty-seven (37) months if the principal is more than three hundred dollars ($300), or (2) Over a period of not more than twenty-five (25) months if the principal is three hundred dollars ($300) or less.
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