Payday Loans in Barnum, Iowa

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

Company nameAddressZip codePhone number
MoneyGram 2458 Camanche Ave, Clinton, IA 52732 +1 (563) 243 - 4795
Northwest Bank ATM - Hy-Vee 819 Grand Ave, Spencer, IA 51301 +1 (800) 678 - 4105
Midstates Bank 812 Durant St, Harlan, IA 51537 +1 (712) 755 - 2126
Check For Cash 2301 Circle Dr W, Spirit Lake, IA 51360 +1 (712) 336 - 2274
Sac County Abstract Co 420 W Main St, Sac City, IA 50583 +1 (712) 662 - 7317
First Security 308 Main St, Thornton, IA 50479 +1 (641) 998 - 2312
DuTrac Community Credit Union 1161 16th Ave SE, Dyersville, IA 52040 +1 (563) 875 - 7604
Cooperative Credit Company 128 3rd St NW, Sioux Center, IA 51250 +1 (712) 722 - 1717
First National Bank of Muscatine 3107 US-61, Muscatine, IA 52761 +1 (563) 262 - 4218
Great Western Bank 103 W Taylor St, Creston, IA 50801 +1 (641) 782 - 9300

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Barnum, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Council Bluffs, IA, Payday Loans in Davenport, IA, Quick Loan in Des Moines, IA, Quick Loan in Dubuque, IA, Guaranteed Loans in Iowa City, IA, Bad Credit Loans in Marion, IA, Payday Loans in Sioux City, IA and Payday Loans in Urbandale, 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 Barnum, IA.

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

50518

Are Payday Loans Legal In Barnum, 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

Barnum, IA payday loan calculator

Advise to read before applying

Understanding Payday Loans in Barnum, Iowa

Payday loans, also known as cash advances, are short-term loans that are designed to help individuals bridge the gap between paychecks. If you’re in need of quick cash to cover an unexpected expense, a payday loan may be a viable option.

In Barnum, Iowa, payday loans are legal. Many residents in the area have taken advantage of these loans to help cover unexpected expenses, bills, or emergencies. Before you consider taking out a payday loan, it’s important to understand the laws surrounding them and to make an informed decision.

The Basics of a Payday Loan

A payday loan is a type of short-term loan that typically has a term of 14 days, although some lenders may offer longer terms. Borrowers can get payday loans by visiting a storefront lender or by applying online. The loan amounts available vary depending on the borrower’s income and credit score and can range from a few hundred to a few thousand dollars.

To get approved for a payday loan in Barnum, Iowa, you’ll typically need to provide proof of income, a government-issued ID, and a bank account. The lender will then determine the loan amount and fees, which may vary depending on the lender and the size of the loan.

Understanding Payday Loan Fees and Interest Rates

Payday loans typically come with high fees and interest rates. In Iowa, lenders can charge up to $15 in fees for every $100 borrowed, with a maximum loan amount of $500. This means a borrower who takes out a $100 loan will be charged a fee of $15 and must pay back a total of $115. The APR for payday loans in Iowa can vary, but it can be as high as 400% or more.

It’s important to understand the full cost of a payday loan before taking one out. You should also conduct research on multiple lenders and compare rates, fees, and terms to ensure you’re getting a fair deal.

The Benefits of Payday Loans

Despite high fees and interest rates, payday loans offer several benefits to borrowers. For one, payday loans are typically easy to obtain, with minimal requirements and a quick application process. Additionally, payday loans can help you cover unexpected expenses or emergencies, such as car repairs or medical bills, without having to wait until your next paycheck.

The Risks of Payday Loans

There are also several risks associated with payday loans. One of the biggest risks is the high cost of borrowing. Borrowers who are unable to pay back their loans on time may face high fees and interest rates. This can lead to a cycle of debt where borrowers continually take out new loans to pay off old ones.

Another risk associated with payday loans is that they can be a target for predatory lenders who exploit vulnerable borrowers. To avoid these risks, it’s important to research lenders thoroughly and read all terms and conditions before agreeing to a loan.

Facts and Statistics

  • There are over 200 payday lenders in Iowa
  • The average payday loan amount is $300
  • The average fee for a payday loan in Iowa is $15 per $100 borrowed
  • The average APR for payday loans in Iowa is 300%

Apply Now

If you need to take out a payday loan in Barnum, Iowa, TheGuaranteedLoans can help connect you with potential lenders. Our service is free and easy to use, and we’re committed to helping you find the right loan for your needs. Apply now to get started.

Please note that TheGuaranteedLoans is a connector service and not a direct lender. We do not make credit decisions, and we do not endorse any particular lender. Our role is to facilitate the connection between borrowers and lenders. We encourage you to research any lender thoroughly before agreeing to a loan.

F.A.Q.

Are there any restrictions on the number of payday loans a borrower can take out in Barnum, Iowa?

Yes, in Barnum, Iowa, a borrower is limited to taking out a maximum of two payday loans at any given time.

Can a lender require a borrower to provide collateral for a payday loan in Barnum, Iowa?

No, a lender cannot require a borrower to provide collateral for a payday loan in Barnum, Iowa. Payday loans are unsecured loans, which means they do not require collateral.

Look for Short-Term Loans in Other Cities:

Ames Ankeny Bettendorf Cedar Falls Cedar Rapids Council Bluffs Davenport Des Moines Dubuque Iowa City Marion Ottumwa Sioux City Urbandale Waterloo West Des Moines
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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