Payday Loans in Ainsworth, Iowa

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No payday loan companies in Ainsworth, IA. Consider companies in other cities:

Company nameAddressZip codePhone number
Fast Cash & Express Tax Place 234 Brownells Pkwy #3, Grinnell, IA 50112 +1 (641) 236 - 1421
Investment Center Inc 231 1st St E, Independence, IA 50644 +1 (319) 334 - 7091
TDT CPAs and Advisors, P.C. 2109 W Jefferson Ave, Fairfield, IA 52556 +1 (641) 472 - 6171
Fidelity Bank & Trust 200 N Main St, La Motte, IA 52054 +1 (563) 773 - 2255
Farmers Win Coop 110 N Jefferson Ave, Fredericksburg, IA 50630 +1 (563) 237 - 5324
Check `n Go 4501 Southern Hills Dr STE 23, Sioux City, IA 51106 +1 (712) 274 - 1500
MoneyGram 2110 Park Ave, Muscatine, IA 52761 +1 (563) 264 - 5889
Peoples State Bank 415 W Chestnut St, Harpers Ferry, IA 52146 +1 (563) 586 - 8036
EZ Pay LLC 5721 Merle Hay Rd, Johnston, IA 50131 +1 (515) 471 - 1140
Community Bank & Trust 229 Main St, Columbus Junction, IA 52738 +1 (319) 728 - 2226

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ainsworth, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Marion, IA, 24-Hour Loan in Sioux City, IA, Payday Loans in Urbandale, IA, Payday Loans in Waterloo, IA, No Credit Check Loans in West Des Moines, IA, Short-term Loans in Ames, IA, Bad Credit Loans in Ankeny, IA and Payday Loans in Bettendorf, IA. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Ainsworth, IA.

Payday Loans Available in Ainsworth, IA By The Following ZIP Codes:

52201

Are Payday Loans Legal In Ainsworth, Iowa?

Loan Rates and Fees, Laws and Regulations in Iowa.

Iowa Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)337
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan Term31 days
Number of Rollovers Allowed0
Finance Charges$15 on the first $100 + >$10 on subsequent $100

Ainsworth, IA payday loan calculator

Payday Loans in Ainsworth, Iowa

Payday loans have become a popular financial solution in America, especially for those who need quick cash to cover an emergency expense or a monthly bill. While many states have strict regulations on payday loans, they are legal in Iowa, including the small town of Ainsworth. Because of this, it’s important to understand the details of payday loans, as well as the options available in Ainsworth.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. The loan amount is typically small, ranging from $100 to $1,000, and is designed to cover emergency expenses, unexpected bills, or other financial needs. Payday loans are often marketed as a fast and easy way to get cash without having to go through a credit check or lengthy approval process.

However, payday loans often come with high interest rates, fees, and penalties if the loan is not repaid on time. In Iowa, payday lenders can charge up to $15 for every $100 borrowed, with a maximum loan term of 31 days. This means that if you borrow $500, you’ll pay an additional $75 in fees and interest.

The Payday Loan Process in Ainsworth, Iowa

If you’re considering a payday loan in Ainsworth, Iowa, it’s important to understand how the process works. The first step is to find a lender that offers loans in Ainsworth. You can do this by searching online or checking with local financial institutions.

Once you’ve found a lender, you’ll need to fill out an application. This will typically involve providing personal and financial information, including your name, address, income, and employment status.

If you’re approved for a loan, the funds will be deposited into your bank account within one business day. You’ll then be responsible for repaying the loan on your next payday, along with any fees and interest that have accrued.

Alternatives to Payday Loans in Ainsworth, Iowa

While payday loans can be a convenient option for those with immediate financial needs, they may not be the best choice for everyone. If you’re in need of cash but want to explore other options, here are a few alternatives to consider:

  • Personal loans: Personal loans are typically offered by banks, credit unions, or online lenders. They have lower interest rates and longer repayment terms than payday loans, but may require a credit check or collateral.
  • Credit card cash advances: If you have a credit card, you may be able to get a cash advance. This option typically has a higher interest rate than a purchase, but will usually be lower than a payday loan.
  • Negotiate with creditors: If you’re struggling to make ends meet, you may be able to negotiate a payment plan with your creditors. Many companies are willing to work with customers who are experiencing financial hardship.

Interesting Facts and Statistics about Payday Loans in Ainsworth, Iowa

  • In 2020, more than 228,000 payday loans were issued in Iowa, totaling more than $118 million in loan volume.
  • The average payday loan in Iowa is $300, with an average fee of $45.
  • Payday lenders in Iowa are required to have a valid license from the state’s Division of Banking.
  • Iowa has some of the most borrower-friendly payday lending laws in the country, limiting the number of loans a borrower can take out and allowing for a 24-hour cooling-off period between loans.

Apply Now

If you’re in need of cash and are considering a payday loan, TheGuaranteedLoans can help connect you with potential lenders in Ainsworth, Iowa. Simply visit our website and fill out our online application. Keep in mind that we are a connector service, not a direct lender, and we will facilitate your connection with potential lenders. Be sure to read the loan terms and conditions carefully, and only borrow what you can afford to repay.

At TheGuaranteedLoans, we’re committed to helping you find the right financial solution for your needs. Contact us today to learn more about payday loans and other lending options available in Ainsworth, Iowa.

F.A.Q.

What is a payday loan in Ainsworth, Iowa?

A payday loan is a short-term, high-interest loan that is intended to be repaid on the borrower's next payday.

How do I qualify for a payday loan in Ainsworth, Iowa?

To qualify for a payday loan in Ainsworth, Iowa, you must be at least 18 years old, have a regular source of income, and have an active checking account.