Payday Loans in Bayard, Iowa

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

Company nameAddressZip codePhone number
MEMBERS1st Community Credit Union 423 Main St, Ames, IA 50010 +1 (515) 232 - 0085
Union State Bank 214 S 1st St, Greenfield, IA 50849 +1 (641) 343 - 7310
LattaHarris, LLP 618 G Ave, Grundy Center, IA 50638 +1 (319) 824 - 5221
Payday Express 7020 Douglas Ave, Urbandale, IA 50322 +1 (515) 278 - 9696
United Bank of Iowa 1608 1st Ave S, Fort Dodge, IA 50501 +1 (515) 576 - 5111
Leighton State Bank 900 Washington St, Pella, IA 50219 +1 (641) 628 - 1566
MidWestOne Bank 112 N Main St, Sigourney, IA 52591 +1 (641) 622 - 2381
Farm Credit Services of America 2125 W 20th St S, Newton, IA 50208 +1 (641) 792 - 9403
Dupaco ATM & Live Video Teller Outlet at MercyOne Waterloo Medical Center 3421 W 9th St, Waterloo, IA 50702 +1 (800) 373 - 7600
Citizens Bank 500 W Main St, Sac City, IA 50583 +1 (712) 662 - 4755

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bayard, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Davenport, IA, Quick Loan in Des Moines, IA, Guaranteed Loans in Dubuque, IA, Payday Loans in Iowa City, IA, Payday Loans in Marion, IA, Quick Loan in Sioux City, IA, Payday Loans in Urbandale, IA and No Credit Check Loans in Waterloo, 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 Bayard, IA.

Beautiful sights of Bayard, IA

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

50029

Are Payday Loans Legal In Bayard, 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

Bayard, IA payday loan calculator

Understanding Payday Loans in Bayard, Iowa

If you’re a resident of Bayard, Iowa and need cash fast, you may have considered taking out a payday loan. While they can offer a quick solution to short-term financial needs, it’s important to understand the risks and regulations of payday loans before signing on the dotted line.

What are Payday Loans?

Payday loans are short-term loans typically due on your next payday. They’re designed to help individuals cover unexpected expenses or bridge a gap between paychecks. In exchange for the loan, borrowers typically pay a fee, which can be very high.

Legal Status in Iowa

In Iowa, payday loans are legal; however, the state has put in place regulations to protect consumers. Payday lenders must have a license from the state and are limited to charging a maximum interest rate of 15% on loans up to $100, and 10% on loans between $100 and $500. Loans cannot exceed $500 and loan terms cannot exceed 31 days.

How to Qualify for a Payday Loan in Bayard, Iowa

Qualifying for a payday loan in Bayard, Iowa is relatively easy. To apply, you’ll need to provide proof of income, identification, and a bank account. Some lenders may require a credit check, while others may not.

Risks and Alternatives

Payday loans come with many risks, including high interest rates and fees, short repayment terms, and the potential for a cycle of debt. If you’re considering a payday loan, it’s important to exhaust other options first, such as borrowing from friends or family, negotiating with creditors, or applying for a personal loan from a bank or credit union.

Interesting Facts and Statistics about Payday Loans in Bayard, Iowa

  • According to a report by the Iowa Division of Banking, payday lenders in Iowa issued over 900,000 loans in 2018.
  • The average payday loan amount in Iowa is $341, and borrowers typically pay about $12 in fees for every $100 borrowed.
  • As of 2019, there were 225 payday lenders in Iowa.

Apply Now

If you’ve exhausted other options and decide that a payday loan is right for you, TheGuaranteedLoans can help connect you with potential lenders in Bayard, Iowa. Simply fill out our online application and we’ll forward your information to lenders who may be able to offer a loan that meets your needs.

It’s important to remember that TheGuaranteedLoans is a connector service, not a direct lender. We don’t make decisions about loans or offer financial advice. Instead, we facilitate your connection with potential lenders and provide information to help you make informed decisions about your finances.

Remember to read the loan agreement carefully before signing, and to only borrow what you can afford to repay.

F.A.Q.

Are there any restrictions on the number of times a borrower can renew a payday loan in Bayard, Iowa?

Yes, in Bayard, Iowa, a borrower can only renew a payday loan twice. After the second renewal, the borrower must pay off the loan in full or enter into a payment plan with the lender.

Can a payday loan lender in Bayard, Iowa provide a borrower with a grace period before repayment is due?

Yes, a payday loan lender in Bayard, Iowa can provide a borrower with a grace period before repayment is due. However, the lender is not required to do so, and the length of the grace period is at the discretion of the lender.