Payday Loans in Albert City, Iowa

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

Company nameAddressZip codePhone number
Great Western Bank 100 N 1st St, Carlisle, IA 50047 +1 (515) 989 - 3255
Lincoln Savings Bank 109 E Main St, Lincoln, IA 50652 +1 (641) 473 - 2643
Bank Iowa - Pella 640 Washington St, Pella, IA 50219 +1 (641) 628 - 1056
Peoples State Bank - Motor Branch 217 S Main St, Albia, IA 52531 +1 (641) 932 - 7887
Dupaco Community Credit Union 3299 Hillcrest Rd, Dubuque, IA 52001 +1 (563) 557 - 7600
Clear Lake Bank & Trust 100 E State St, Mason City, IA 50401 +1 (641) 423 - 2457
EZPAWN 1165 E Locust St, Davenport, IA 52803 +1 (563) 326 - 3394
Keystone Savings Bank 807 Rosedale Dr, Center Point, IA 52213 +1 (319) 849 - 1555
Fast Cash Express Tax Place 137 Colorado St, Muscatine, IA 52761 +1 (563) 288 - 9554
Liptak Law Office Robert J. Liptak, Attorney, 1890 185th St, Fairfield, IA 52556 +1 (641) 209 - 6187

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Albert City, IA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Sioux City, IA, Payday Loans in Urbandale, IA, Payday Loans in Waterloo, IA, Payday Loans in West Des Moines, IA, Payday Loans in Ames, IA, Payday Loans in Ankeny, IA, No Credit Check Loans in Bettendorf, IA and Payday Loan for Cedar Falls, 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 Albert City, IA.

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

50510

Are Payday Loans Legal In Albert City, 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

Albert City, IA payday loan calculator

Understanding Payday Loans in Albert City, Iowa

Payday loans are a type of short-term loan that can help you cover unexpected expenses until your next paycheck. These loans are usually small amounts, ranging from $100 to $1,000, and are meant to be paid back in full plus interest within two to four weeks, depending on the lender.

How Do Payday Loans Work?

To get a payday loan in Albert City, Iowa, you typically need to have a steady source of income, an active checking account, and a valid government-issued ID. You’ll fill out an application and provide the lender with your personal and financial information. If you’re approved, you’ll receive the money you need, usually within one business day.

The lender will then expect you to pay back the loan in full plus interest on your next payday. If you can’t repay the loan, you might have the option to extend it for an additional fee. However, keep in mind that extending your loan can lead to additional interest and fees, making it even more expensive in the long run.

Why Do People Use Payday Loans?

Payday loans can be a quick and easy way to access cash when you need it most. They’re often used to cover unexpected expenses, such as car repairs, medical bills, or utility bills. They can also be used to bridge the gap between paychecks when you’re short on funds.

However, it’s important to remember that payday loans can come with high interest rates and fees. If you’re not able to pay back the loan on time, you could end up in a cycle of debt that’s difficult to break.

Are Payday Loans Legal in Iowa?

Yes, payday loans are legal in Iowa. However, the state has regulations in place to protect consumers from predatory lending practices. For example, lenders are not allowed to charge more than $15 in interest for every $100 borrowed. They are also required to clearly disclose all fees and charges associated with the loan.

Interesting Facts and Statistics

  • In 2019, nearly 82,000 Iowans took out a payday loan.
  • The average payday loan in Iowa is for $341, and the average interest rate is 286%.
  • Approximately 2.4% of Iowa households took out a payday loan in 2019.
  • Payday loans are most commonly used in Iowa for car repairs, medical bills, and utility bills.

Apply Now

If you’re considering a payday loan in Albert City, Iowa, TheGuaranteedLoans can help connect you with potential lenders. Keep in mind that we are not a direct lender, but a connector service. By filling out our online application, we can help you find a lender that suits your needs.

Before applying for a payday loan, it’s important to carefully consider whether it’s the right option for you. Make sure you understand all the fees and charges associated with the loan, and have a plan to pay it back on time to avoid additional costs.

Don’t let unexpected expenses catch you off guard. Apply for a payday loan through TheGuaranteedLoans today and get the cash you need to get back on track.

F.A.Q.

Can I rollover or extend a payday loan in Albert City, Iowa?

Rolling over or extending a payday loan in Albert City, Iowa is not allowed. If you are unable to repay your loan on the agreed-upon date, you may be able to work out a payment plan with your lender.

Are there any restrictions on the use of payday loan funds in Albert City, Iowa?

Yes, in Albert City, Iowa, payday loan funds must be used for personal, family, or household purposes only. They cannot be used for business or investment purposes.