Payday Loans in Alleman, Iowa

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

Company nameAddressZip codePhone number
MidWestOne Bank - Commercial Lending 9325 Bishop Dr 120, West Des Moines, IA 50266 +1 (515) 224 - 2300
BANK - Burlington Branch 1403 S Roosevelt Ave, Burlington, IA 52601 +1 (319) 753 - 2265
Peoples Bank 116 W State St, Jefferson, IA 50129 +1 (515) 386 - 4848
EZ Money Check Cashing 266 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 +1 (319) 363 - 2200
Marion County Bank 800 Main St, Pella, IA 50219 +1 (641) 628 - 2191
Bank Iowa - Shenandoah Drive-up 1300 W Nishna Rd, Shenandoah, IA 51601 +1 (712) 246 - 3473
J's Auto Body Shop See Super Center for Sales & Service 945 E Main St, Manchester, IA 52057 +1 (563) 822 - 1315
Farm Bureau Financial Services: Will Miller 209 Centennial Dr STE B, Cherokee, IA 51012 +1 (712) 225 - 6451
Great Western Bank 401 Broad Ave, Stanton, IA 51573 +1 (712) 829 - 2737
Check Into Cash 2040 Edgewood Rd SW #100, Cedar Rapids, IA 52404 +1 (319) 396 - 6027

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Alleman, IA

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

50007

Are Payday Loans Legal In Alleman, 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

Alleman, IA payday loan calculator

Introduction

Payday loans are a quick source of cash that can help you out when you’re in a tough financial spot. They are especially useful for those who need cash urgently and have no other way of getting it. In Alleman, Iowa, payday loans are legal and can be obtained by anyone who meets the requirements set by the lenders. In this article, we’ll take a closer look at payday loans in Alleman, Iowa, their benefits and drawbacks, and how to apply for them.

What Are Payday Loans?

Payday loans are short-term loans that are intended to be repaid on the next payday. They are also called “cash advances,” “paycheck loans,” or “check loans.” The loans can be obtained either through a physical payday loan store or through an online lender. Typically, lenders offer loans ranging from $100 to $1,000, and the repayment period is usually 14 days to one month. However, the terms of the loan can vary depending on the lender and the borrower’s financial situation.

Benefits of Payday Loans

Payday loans have several benefits that make them a preferred choice for many people in Alleman, Iowa. One of the biggest benefits of payday loans is that they are easy to obtain. Unlike traditional loans, which can take days or even weeks to be approved, payday loans are processed very quickly, and the money can be in your account within hours after you’ve submitted your application.

  • Fast Approval Process
  • Easy to Obtain
  • No Credit Checks
  • Flexibility
  • Use for Any Purpose

Drawbacks of Payday Loans

Despite their benefits, payday loans also have several drawbacks that you should be aware of. One of the biggest drawbacks of payday loans is their high-interest rates, which can be as much as 400% or more in some cases. This high interest can make it hard to repay the loan on time, leading to a cycle of debt that can be difficult to break.

  • High-Interest Rates
  • Short Repayment Term
  • Origination Fees
  • Rollovers and Renewals
  • No Installment Option

It’s important to remember that payday loans should be used as a last resort, and only if you have a plan to repay the loan on time. If you are unable to repay the loan on time, you can run into serious financial trouble.

Interesting Facts about Payday Loans in Alleman, Iowa

Did you know that Iowa is one of the few states that allow payday lenders to charge unlimited interest rates? While some states have placed limits on the amount of interest that lenders can charge, Iowa has not. This has led to an increase in payday lenders in the state, with many of them setting up shop in Alleman and other cities across Iowa.

In 2019, it was reported that there were 232 licensed payday lenders in Iowa, with the majority of them located in urban areas. The average payday loan amount in Iowa is $341, and the average APR is 287%. Iowa law requires lenders to disclose all fees and interest rates in writing, so make sure to read the fine print before signing any loan agreement.

Applying for Payday Loans with TheGuaranteedLoans

TheGuaranteedLoans is a connector service that can help you find potential lenders who offer payday loans in Alleman, Iowa. We are not a direct lender, but we work with a network of reputable lenders who are ready to offer you the cash you need. To apply for a payday loan with TheGuaranteedLoans, simply visit our website and fill out the online application form.

Once you submit your application, we’ll connect you with potential lenders who will review your application and determine whether to approve your loan. If you’re approved, you’ll receive your cash within hours.

Remember, payday loans should only be used as a last resort, and you should always have a plan for repaying the loan on time. At TheGuaranteedLoans, we strive to provide our clients with the most reliable and reputable lenders in Alleman, Iowa. So, if you’re in need of a quick cash injection, visit our website and fill out an application today.

F.A.Q.

Can a payday loan lender in Alleman, Iowa charge a fee for a bounced check or declined automatic payment?

Yes, a payday loan lender in Alleman, Iowa can charge a fee for a bounced check or declined automatic payment. The exact fee will vary by lender, so it is important for borrowers to carefully read and understand their loan agreement before signing.

Can a borrower in Alleman, Iowa be charged a fee for extending or renewing a payday loan?

Yes, a borrower in Alleman, Iowa can be charged a fee for extending or renewing a payday loan. The exact fee will vary by lender, so it is important for borrowers to carefully read and understand their loan agreement before signing.