Payday Loans in Arcadia, Iowa

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Johnston Stannard Klesner 1927 Keokuk St, Iowa City, IA 52240 +1 (319) 354 - 1712
Supreme Lending 2302 SW 3rd St, Ankeny, IA 50023 +1 (515) 965 - 0445
U.S. Bank ATM - Humboldt Drive-Up in Parking Lot 701 Sumner Ave, Humboldt, IA 50548 +1 (800) 872 - 2657
Farmers & Merchants Bank 101 Broadway St, West Burlington, IA 52655 +1 (319) 752 - 3661
Exchange State Bank 207 W Washington St, Exira, IA 50076 +1 (712) 268 - 5331
Casebine Community Credit Union 4502 Avenue O 18, Fort Madison, IA 52627 +1 (800) 242 - 3476
First State Bank 702 2nd Ave, Grinnell, IA 50112 +1 (641) 236 - 7700
First Trust & Savings Bank 506 Davenport St, Dixon, IA 52745 +1 (563) 843 - 2000
West Iowa Bank 202 W Main St, Laurens, IA 50554 +1 (712) 841 - 2588
Check Into Cash 2325 Cumberland Square Dr, Bettendorf, IA 52722 +1 (563) 355 - 6930

Payday Loan Companies in Nearby Cities

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

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

51430

Are Payday Loans Legal In Arcadia, 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

Arcadia, IA payday loan calculator

Payday Loans in Arcadia, IA: An Overview

Payday loans are a type of short-term loan that can be obtained by borrowers who need access to quick cash. These loans can be useful to people who are in a bind, such as unexpected medical expenses or car repairs. While payday loans can come with high fees and interest rates, they are legal in Iowa and can be a helpful option when used responsibly.

The Basics of Payday Loans in Arcadia, IA

Payday loans in Arcadia, IA, are governed by specific laws and regulations. The maximum amount that a borrower can obtain is $500, and the loan term cannot exceed 31 days. The interest rate for payday loans in Iowa is capped at 15%, and lenders are not allowed to charge any additional fees outside of the interest rate.

In addition to these regulations, lenders in Iowa are required to provide borrowers with detailed information about the loan terms, including the interest rate and any applicable fees. Borrowers must also be given a copy of the loan agreement and a notice outlining their rights and responsibilities as a borrower.

The Pros and Cons of Payday Loans in Arcadia, IA

While payday loans can be a helpful resource for people in need of quick cash, they also come with some drawbacks. Here are some pros and cons to consider when deciding whether a payday loan is right for you:

The Pros:

  • Easy and quick access to cash
  • No credit check required
  • No collateral necessary

The Cons:

  • High interest rates and fees
  • Short loan term
  • Can lead to a debt cycle if not used responsibly

Interesting Facts About Payday Loans in Arcadia, IA

Some interesting statistics about payday loans in Iowa include:

  • In 2020, Iowa borrowers took out 405,260 payday loans, with an average loan amount of $346.
  • The total fees paid by Iowa payday loan borrowers in 2020 were over $55 million.
  • Arcadia, IA, has several payday loan options available to residents, including Advance America and Check ‘n Go.

Applying for a Payday Loan in Arcadia, IA

If you are considering applying for a payday loan in Arcadia, IA, TheGuaranteedLoans website can help connect you with potential lenders. Our website is a connector service, which means that we do not provide loans directly but facilitate the connection between borrowers and lenders. When filling out an online application on our website, be sure to provide accurate information, including your income and employment status. If approved, you could receive the cash you need in as little as one business day.

Conclusion

Payday loans can provide necessary financial assistance in times of need, but they should be used with caution. By understanding the regulations around payday loans in Iowa and considering the pros and cons, you can make an informed decision about whether a payday loan is right for you. If you do decide to take out a payday loan, be sure to use it responsibly and only borrow what you can afford to repay.

F.A.Q.

Are there any alternatives to payday loans in Arcadia, Iowa?

Yes, there are alternatives to payday loans in Arcadia, Iowa, such as small personal loans from banks or credit unions, or assistance from social service agencies.

Is there any regulation of payday loans in Arcadia, Iowa?

Yes, payday lending is regulated by the Iowa Division of Banking, which sets maximum interest rates and fees, and requires lenders to disclose all terms and conditions of the loan to the borrower.