Payday Loans in Atalissa, Iowa

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

Company nameAddressZip codePhone number
Wells Fargo Bank 231 W 2nd St, Ottumwa, IA 52501 +1 (641) 683 - 8100
Agcom Financial Services 1362 US-59, Holstein, IA 51025 +1 (712) 368 - 2611
Savings Bank 185 S Green Ave, Primghar, IA 51245 +1 (712) 957 - 6815
Thrivent Financial 1007 N Gales Ave, Manchester, IA 52057 +1 (563) 608 - 2683
Farm Credit Services of America 2125 W 20th St S, Newton, IA 50208 +1 (641) 792 - 9403
VisionBank 201 US-69, Huxley, IA 50124 +1 (515) 597 - 4477
Citizens 1st National Bank 1821 N Lake Ave, Storm Lake, IA 50588 +1 (712) 732 - 5440
MEMBERS1st Community Credit Union 1815 Washington Ave, Iowa Falls, IA 50126 +1 (800) 245 - 6199
Two Rivers Bank & Trust 1066 S Gear Ave, West Burlington, IA 52655 +1 (319) 753 - 9166
MidWestOne Bank 2600 Rockdale Rd, Dubuque, IA 52003 +1 (563) 583 - 5757

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Atalissa, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Dubuque, IA, Online Loans in Iowa City, IA, 24-Hour Loan in Marion, IA, Guaranteed Loans in Sioux City, IA, Payday Loan Companies in Urbandale, IA, Payday Loans in Waterloo, IA, Payday Loans in West Des Moines, IA and Payday Loans in Ames, 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 Atalissa, IA.

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

52720

Are Payday Loans Legal In Atalissa, 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

Atalissa, IA payday loan calculator

Payday loans are a type of short-term loan that allows borrowers to access a small sum of money quickly, often to cover unexpected expenses or to bridge a gap between paychecks. However, not all states allow payday loans, and the regulations can vary depending on the state. In this article, we will focus on payday loans in Atalissa, Iowa, and everything you need to know about them.

What are Payday Loans?

Payday loans are small, short-term loans that are typically due on the borrower’s next payday. They are designed to help borrowers cover unexpected expenses or bridge the gap between paychecks. The loans are usually for amounts ranging from $100 to $500, and they carry high interest rates and fees.

In Iowa, payday loans are legal, and lenders can charge up to $15 for every $100 borrowed. Borrowers can take out a maximum of $500 and lenders are required to provide borrowers with a written agreement that outlines the loan terms and conditions.

How Do Payday Loans Work?

Getting a payday loan is typically a straightforward process. Borrowers provide the lender with a post-dated check or authorize an electronic payment for the amount borrowed plus fees. The lender then disburses the loan amount to the borrower, who is expected to pay back the loan in full on their next payday.

If the borrower cannot pay back the loan on their next payday, they can usually roll over the loan for an additional fee. However, the fees and interest rates can quickly add up, making it difficult for borrowers to pay back the loan.

Interest Rates and Fees

The interest rates and fees for payday loans in Atalissa, Iowa, are regulated by the state. Lenders can charge up to $15 for every $100 borrowed, and borrowers can take out a maximum of $500.

It is essential to be aware that the high interest rates and fees associated with payday loans can quickly add up, making it difficult for borrowers to pay back the loan. This can result in a cycle of debt, where borrowers roll over the loan for an additional fee, but never pay back the full amount.

Applying for a Payday Loan

Applying for a payday loan in Atalissa, Iowa, is a relatively straightforward process. Borrowers can apply at a storefront lender or online. To apply, borrowers will need to provide proof of income, a valid ID, and a checking account.

It is important to note that TheGuaranteedLoans is a connector service, not a direct lender. We can help connect borrowers with potential lenders, but we do not provide the loans ourselves. If you are interested in applying for a payday loan through our service, you can fill out an online application on our website.

Interesting Facts or Statistics about Payday Loans in Atalissa, Iowa

  • According to the Iowa Division of Banking, there were over 880,000 payday loans issued in the state in 2019, with a total loan volume of over $338 million.
  • In 2019, the average payday loan in Iowa was $381, and the average annual percentage rate (APR) was 297%.
  • A recent study found that the majority of payday loan borrowers in Iowa are low-income earners, with an average annual income of $25,000.

Final Thoughts

Payday loans can be a convenient way for borrowers to access a small sum of money quickly. However, the high interest rates and fees associated with these loans can quickly add up, making it difficult for borrowers to pay back the loan.

It is important to be aware of the regulations and requirements for payday loans in Atalissa, Iowa, before applying for one. If you are in need of financial assistance, you can explore other options, such as credit counseling or a personal loan.

Apply Now

If you are interested in applying for a payday loan in Atalissa, Iowa, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we can help you find a loan that fits your needs and budget. Remember, we are a connector service, not a direct lender. Fill up online application form on our website and see if you can qualify for a payday loan today!

F.A.Q.

What are the consequences of taking out multiple payday loans in Atalissa, Iowa?

Taking out multiple payday loans in Atalissa, Iowa can be financially risky and lead to a cycle of debt. If you are unable to repay your loans on time, the fees and interest can quickly add up, making it difficult to break the cycle.

Can I be sued for not paying back a payday loan in Atalissa, Iowa?

Yes, you can be sued for not paying back a payday loan in Atalissa, Iowa. If you default on your loan, the lender may file a lawsuit against you to recover the outstanding debt.