Payday Loans in Blockton, Iowa

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

Company nameAddressZip codePhone number
Dupaco Community Credit Union 218 W Mullan Ave, Waterloo, IA 50701 +1 (800) 373 - 7600
North Iowa Community Credit Union 640 S Federal Ave, Mason City, IA 50401 +1 (888) 424 - 2281
Dupaco Community Credit Union 3299 Hillcrest Rd, Dubuque, IA 52001 +1 (563) 557 - 7600
Morgan Stanley 822 Central Ave Suite 325, Fort Dodge, IA 50501 +1 (515) 576 - 2116
Bank Iowa - Humboldt 506 Sumner Ave, Humboldt, IA 50548 +1 (515) 332 - 1451
Fast Cash 3125 E Agency St, Burlington, IA 52601 +1 (319) 758 - 6355
DigitalMint Bitcoin ATM Teller Window 700 La Porte Rd, Waterloo, IA 50702 +1 (855) 274 - 2900
Payday Express 2133 W Broadway #200, Council Bluffs, IA 51501 +1 (712) 322 - 4020
State Bank & Trust Co 1025 6th St, Nevada, IA 50201 +1 (515) 382 - 2191
Walmart Money Center 415 Industrial Ave, Grinnell, IA 50112 +1 (641) 236 - 4999

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Blockton, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Davenport, IA, Short-term Loans in Des Moines, IA, Payday Loans in Dubuque, IA, Payday Loans in Iowa City, IA, 24-Hour Loan in Marion, IA, 24-Hour Loan in Sioux City, IA, Payday Loans in Urbandale, IA and Payday 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 Blockton, IA.

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

50836

Are Payday Loans Legal In Blockton, 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

Blockton, IA payday loan calculator

Payday Loans in Blockton, Iowa

At times, individuals face financial emergencies that need immediate attention. And in such cases, payday loans present a viable option. Payday loans are short-term loans that are usually due to be repaid within two weeks or on your next payday. In Iowa, payday loans are legal and regulated under Iowa Code Ann. § 533D.1 et seq.

How Do Payday Loans Work?

Payday loans in Blockton, Iowa, work similarly to those in other states. In general, you borrow a small amount from a payday lender and repay the amount plus fees and interest charges within the designated term. In Blockton, the maximum amount you can borrow is $500 with a maximum term of 31 days.

When applying for a payday loan in Blockton, you may be required to provide proof of income, residency, and a valid government ID. Once approved, the funds are deposited into your bank account. If you are unable to repay the loan on the due date, you can request a rollover or extension. However, you will be required to pay additional fees and interest charges.

Are There Any Fees?

Yes, payday loans attract some fees, and these fees vary depending on the lender. In Blockton, Iowa, the maximum interest rate is capped at $15 for every $100 loaned. Additionally, lenders may charge a maximum of $15 for every $100 borrowed as a finance charge.

Benefits of Payday Loans

Payday loans can provide a quick solution to financial emergencies, and they have their advantages, such as:

1. Fast Cash
Payday loans offer fast cash, and this makes them an ideal solution for emergencies.

2. Easy to Access
Payday loans have minimal requirements, and this makes them easy to access. In most cases, you only need to have a stable source of income, a government ID, and a valid bank account.

3. No Credit Checks
Most payday lenders do not perform credit checks. This makes payday loans an option for individuals with poor credit scores or those who cannot qualify for traditional loans.

What Are The Risks?

While payday loans provide a solution to financial emergencies, they also come with risks.

1. High-Interest Rates
Payday loans are short-term loans, and the interest rates can sometimes be high. This can lead to a debt cycle where you borrow to repay the previous loan.

2. Scammers
There are many scammers in the payday loan industry, and it’s crucial to choose a reputable lender.

3. Debt Cycle
Payday loans are intended to be short-term solutions, and they should not be used repeatedly. If you find yourself taking out multiple payday loans, you’re likely to get trapped in a debt cycle.

A Few Interesting Facts

  • In Iowa, payday lenders are required to be licensed and follow state and federal lending laws.
  • The Iowa Division of Banking is responsible for regulating payday lending in the state.
  • The number of payday loan businesses has decreased significantly in Iowa over the past decade.
  • In 2020, the Iowa legislature considered a bill that would cap interest rates on payday loans at 36%.

Apply Now

If you’re in need of a payday loan in Blockton, Iowa, TheGuaranteedLoans can help connect you with potential lenders who can provide the funds you need. As a connecting service, we work with a network of reputable lenders who comply with state and federal lending laws. Fill out our online application form to get started. Please note that as a connecting service, we do not provide loans directly.

In conclusion, payday loans can provide a quick solution to financial emergencies, but they come with risks. It’s essential to understand the terms and conditions before committing to a payday loan. Ensure you only borrow what you can repay, and choose a reputable lender to avoid scams and debt cycles.

F.A.Q.

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

Yes, in Blockton, 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 Blockton, Iowa provide a borrower with a grace period before repayment is due?

Yes, a payday loan lender in Blockton, 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.