Payday Loans in Alden, Iowa

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

Company nameAddressZip codePhone number
Iowa State Bank 301 Plymouth St, Le Mars, IA 51031 +1 (712) 541 - 6575
Great Southern Bank 2727 Hamilton Blvd, Sioux City, IA 51104 +1 (712) 277 - 0207
Hills Bank 2481 IA-92, Washington, IA 52353 +1 (319) 653 - 9092
First State Bank 3031 5th Ave S, Fort Dodge, IA 50501 +1 (515) 573 - 5150
Duclarkee Inc 222 E Robinson St, Knoxville, IA 50138 +1 (641) 828 - 8000
Union State Bank 112 N Main St, Bridgewater, IA 50837 +1 (641) 369 - 2741
Great Western Bank 13150 Hickman Rd, Clive, IA 50325 +1 (515) 440 - 6300
Community Business Lenders Servicing Company 5000 Westown Pkwy 420, West Des Moines, IA 50266 +1 (515) 221 - 6110
BankFirst 3410 Singing Hills Blvd, Sioux City, IA 51106 +1 (402) 371 - 8005
Farmers State Bank 1240 8th Ave, Marion, IA 52302 +1 (319) 377 - 4891

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Alden, IA, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Waterloo, IA, Payday Loans in West Des Moines, IA, Bad Credit Loans in Ames, IA, No Credit Check Loans in Ankeny, IA, Payday Loan Companies in Bettendorf, IA, Online Loans in Cedar Falls, IA, Short-term Loans in Cedar Rapids, IA and 24-Hour Loan in Council Bluffs, 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 Alden, IA.

Beautiful sights of Alden, IA

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

50006

Are Payday Loans Legal In Alden, 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

Alden, IA payday loan calculator

Payday Loans in Alden, Iowa: A Comprehensive Guide

Life can be unpredictable, and sometimes, unexpected expenses come your way. Whether it’s a medical bill or a car repair, these costs can put a strain on your finances. This is where payday loans come in, providing a quick and easy solution to your short-term financial needs. In this guide, we’ll explore everything you need to know about payday loans in Alden, Iowa.

How Do Payday Loans Work?

Payday loans are short-term loans that are usually due on your next payday. The process is simple, you visit a payday loan lender, fill out an application, and provide proof of income. The lender will then determine if you are eligible for the loan and will let you know the maximum amount you can borrow. If you agree to the terms and conditions, you will receive the funds in your account within a few business days.

It’s important to note that payday loans come with high-interest rates, making them an expensive option. You should only consider taking out a payday loan if you are in a financial emergency and have exhausted all other options.

Are Payday Loans Legal in Alden, Iowa?

Yes, payday loans are legal in Iowa, including Alden. Iowa has enacted a series of laws and regulations to protect consumers from predatory lending practices. These laws include a cap on the interest rate that payday loan lenders can charge, as well as a limit on how much borrowers can borrow.

What Are the Requirements for Getting a Payday Loan in Alden, Iowa?

To be eligible for a payday loan in Alden, Iowa, you must meet the following requirements:

  • You must be 18 years or older
  • You must have a valid government-issued ID
  • You must have a regular source of income
  • You must have an active checking account

These requirements may vary depending on the lender you choose to work with. It’s always best to check with the lender beforehand to ensure you meet all the requirements.

Interesting Facts and Statistics About Payday Loans in Alden, Iowa

  • As of 2021, there are more than 200 payday loan storefronts in Iowa.
  • The average payday loan in Iowa is $341.
  • The maximum amount you can borrow in Alden, Iowa is $500.
  • The interest rate cap in Iowa is 36%.
  • Payday loan lenders in Iowa must be licensed and registered with the state.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have both advantages and disadvantages. Here are some pros and cons to consider:

Pros:

  • Easy access to funds when you need them
  • No collateral required
  • No credit check required

Cons:

  • High-interest rates that can lead to a cycle of debt
  • Potential fees and charges for late payments or defaults
  • May not be available in all states or areas

Apply Now for a Payday Loan in Alden, Iowa

If you find yourself in a financial emergency and are considering a payday loan, TheGuaranteedLoans can help. We are not a direct lender but a connector service, connecting borrowers with potential lenders. To get started, fill out our online application and we’ll help you find the right lender for your needs. Remember, payday loans are a short-term solution and should only be used in emergencies.

At TheGuaranteedLoans, we’re committed to helping you make informed financial decisions. Contact us today for more information.

F.A.Q.

Can a payday loan lender in Alden, Iowa charge a penalty for early repayment of the loan?

No, a payday loan lender in Alden, Iowa cannot charge a penalty for early repayment of the loan. In fact, borrowers are encouraged to pay off their loans as soon as possible to avoid high interest charges.

Is there a minimum loan term for payday loans in Alden, Iowa?

Yes, the minimum loan term for payday loans in Alden, Iowa is 14 days. However, lenders can offer longer loan terms if they choose to do so.