Payday Loans in Beacon, Iowa

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

Company nameAddressZip codePhone number
The Lending Company, LLC 1716 Hill Ave, Spirit Lake, IA 51360 +1 (712) 336 - 2235
F&M Bank & Trust 109 W Mt Pleasant St, West Burlington, IA 52655
Hometown Cash Advance 118 Lincoln Way, Ames, IA 50010 +1 (515) 232 - 8887
LPI Loans 3528 Merle Hay Rd, Des Moines, IA 50310 +1 (515) 288 - 1440
Great Southern Bank 1907 1st Ave E, Newton, IA 50208 +1 (641) 792 - 6236
Wilon Wealth Management 414 W Main St, Sac City, IA 50583 +1 (712) 662 - 3866
Heritage Bank NA Frances Building, 505 5th St 100, Sioux City, IA 51101 +1 (712) 255 - 5713
Clayton County Development Group 200 E Bridge St, Elkader, IA 52043 +1 (563) 245 - 2201
Alliant Credit Union 1402 White St, Dubuque, IA 52001 +1 (563) 585 - 3740
BankIowa 3222 Kimball Ave A, Waterloo, IA 50702 +1 (319) 236 - 2140

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Beacon, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in West Des Moines, IA, 24-Hour Loan in Ames, IA, Payday Loans in Ankeny, IA, Payday Loan for Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loan for 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 Beacon, IA.

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

52534

Are Payday Loans Legal In Beacon, 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

Beacon, IA payday loan calculator

Payday Loans in Beacon, Iowa: What You Need to Know

Payday loans are designed to help you out of a tight financial situation. If you live in Beacon, Iowa, you’re in luck. Iowa is one of the few states that allow payday loans.

What is a payday loan?

A payday loan is a short-term, high-interest loan that offers you cash when you need it most. The loans are usually for small amounts, ranging from $100 to $500 in Iowa. You can use the money to pay for bills or expenses, such as rent, car repairs, or medical bills. The loan is typically due on your next payday, hence the name payday loan.

How to Get a Payday Loan in Beacon, Iowa

You can apply for a payday loan in Beacon, Iowa, in person at a lender’s store or online. Before you apply, make sure you have all the necessary documentation, such as your ID, proof of income, and a checking account. If you apply in-store, you can typically get your cash on the same day. Online applications may take a few hours or up to one business day to be processed.

The Benefits of Payday Loans in Beacon, Iowa

  • Easy to obtain: Compared to traditional loans, payday loans are relatively easy to get. You don’t need to have a perfect credit score; most lenders only require proof of steady income and a checking account.
  • Quick processing time: With payday loans, you can usually get your funds on the same day you apply. This is important when you’re facing an emergency and need cash fast.
  • Short-term loan: Payday loans are typically due on your next payday, meaning you won’t be in debt for long.

The Risks of Payday Loans in Beacon, Iowa

Like any loan, payday loans come with risks. Here are some drawbacks to consider:

  • High-interest rates: Payday loans can have APRs as high as 400%, making them very expensive loans. Make sure you understand how much the loan will cost you before borrowing.
  • Can lead to a debt cycle: If you’re not able to pay off the loan on time, you may start accumulating additional fees and interest charges. This can lead to a cycle of debt that is difficult to break.
  • Not a long-term solution: Payday loans are meant to be short-term solutions to financial problems. They should not be relied upon for long-term financial stability.

Interesting Facts and Statistics about Payday Loans in Beacon, Iowa

  • As of 2019, there were 218 payday loan companies in Iowa, with 232 stores statewide.
  • The average payday loan amount in Iowa is $347, with an average APR of 289%.
  • Iowa law requires payday loan providers to be licensed and follow specific regulations, such as posting a clear fee schedule and providing a repayment plan.

Apply Now

If you’re considering a payday loan in Beacon, Iowa, TheGuaranteedLoans can help connect you with potential lenders. We’re a connector service, not a lender, so we’ll help you find a lender that fits your needs. Visit our website to fill out an online application today.

Remember, payday loans can be a helpful way to get you through a tough financial situation, but they should be used responsibly. Make sure you fully understand how payday loans work and the risks involved before borrowing.

F.A.Q.

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

Yes, a payday loan lender in Beacon, 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 Beacon, Iowa be charged a fee for extending or renewing a payday loan?

Yes, a borrower in Beacon, 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.