Payday Loans in Brandon, Iowa

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

Company nameAddressZip codePhone number
Duane Sturm - Raymond James 114 W Main St, Clarinda, IA 51632 +1 (712) 542 - 6334
Levi Brothers Jewelry & Loan 306 E 4th St, Waterloo, IA 50703 +1 (319) 233 - 6951
DuTrac Community Credit Union 2900 S 25th St suite a, Clinton, IA 52732 +1 (563) 242 - 1080
Gunderson Kathy L 29507 Harding Rd, Postville, IA 52162 +1 (563) 864 - 7016
Fidelity Bank & Trust 25 N Chestnut Ave, New Hampton, IA 50659 +1 (641) 394 - 3021
River Community Credit Union 644 W 2nd St, Ottumwa, IA 52501 +1 (641) 684 - 6302
Iowa Trust & Savings Bank 200 N 10th St, Centerville, IA 52544 +1 (641) 437 - 4500
State Center Post Office 114 W Main St E, State Center, IA 50247 +1 (641) 483 - 2369
MidWestOne Bank 4510 Prairie Pkwy, Cedar Falls, IA 50613 +1 (319) 277 - 2500
Walmart Money Center 2712 4th St SW, Waverly, IA 50677 +1 (319) 352 - 5260

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Brandon, IA, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Urbandale, IA, Payday Loans in Waterloo, IA, Payday Loans in West Des Moines, IA, Bad Credit Loans in Ames, IA, Short-term Loans in Ankeny, IA, Payday Loans in Bettendorf, IA, Payday Loan Companies in Cedar Falls, IA and Payday Loans in Cedar Rapids, 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 Brandon, IA.

Beautiful sights of Brandon, IA

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

52210

Are Payday Loans Legal In Brandon, 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

Brandon, IA payday loan calculator

Payday Loans in Brandon, Iowa: Everything You Need to Know

When you’re in need of cash fast, a payday loan can be a tempting option. However, it’s important to understand the potential risks and benefits of this type of loan before you sign on the dotted line. In this article, we’ll explore the ins and outs of payday loans in Brandon, Iowa, and help you make an informed decision.

What is a Payday Loan?

A payday loan, also known as a cash advance loan, is a short-term loan that’s typically due on your next payday. These types of loans usually have high interest rates and fees, and require you to write a post-dated check or provide your bank account information as collateral.

Payday loans are often used by people who need cash quickly and don’t have access to other forms of credit. They can be a way to bridge the gap between paychecks or cover unexpected expenses, but they can also be a costly source of debt if you’re unable to pay them back on time.

Are Payday Loans Legal in Iowa?

Yes, payday loans are legal in Iowa. However, there are some restrictions on how much you can borrow and how much interest and fees lenders can charge.

In Iowa, you can borrow up to $500 and lenders can charge a maximum interest rate of 15% on the first $100, 10% on the remaining amount up to $250, and 7.5% on the remaining amount up to $500. Lenders can also charge a $15 fee for each $100 borrowed. If you can’t repay your loan on time, lenders can charge a maximum of $15 for a returned check or electronic debit.

How to Get a Payday Loan in Brandon, Iowa

If you’re considering a payday loan in Brandon, Iowa, here are the steps you’ll need to take:

  • Find a lender: You can search online for payday loan lenders in Brandon, Iowa or check with local credit unions or banks.
  • Apply: To apply for a payday loan, you’ll need to provide personal information, including your name, address, Social Security number, and employment information.
  • Receive your funds: If you’re approved, you’ll typically receive your loan funds as soon as the next business day.
  • Repay your loan: You’ll need to repay your loan on your next payday, either by writing a post-dated check or allowing the lender to debit your bank account. If you’re unable to pay on time, you may be able to roll over your loan, but this will typically come with additional fees and interest.

The Risks and Benefits of Payday Loans

Like any type of loan, payday loans come with risks and benefits. Here are some of the pros and cons to consider before you borrow:

Benefits:

  • Quick access to cash
  • No credit check required
  • No collateral required

Risks:

  • High interest rates and fees
  • Short repayment terms
  • Potentially harmful to your credit score
  • Risk of falling into debt cycle

Interesting Facts and Statistics About Payday Loans in Brandon, Iowa

  • Iowa has some of the nation’s strictest laws when it comes to payday loans, capping interest rates at 15% for the first $100 borrowed, 10% for the next $250 borrowed, and 7.5% for amounts between $250 and $500.
  • The average payday loan borrower in Iowa takes out 12 loans per year.
  • Payday lending is a $40 billion industry in the United States.
  • In 2016, Iowa borrowers took out nearly 500,000 payday loans, totaling more than $220 million.
  • More than 80% of payday loans are rolled over or followed by another loan within 14 days.

Apply Now: Connect with Payday Loan Lenders in Brandon, Iowa

If you’ve decided that a payday loan is the right choice for your financial needs, TheGuaranteedLoans can help connect you with lenders in Brandon, Iowa. We are a connector service, not a direct lender, and we work with a network of reputable lenders to help you find the best loan for your situation.

To get started, simply fill out our online application. Our service is fast, easy, and free, and you’ll receive an instant decision on your loan application.

Remember, before you take out a payday loan in Brandon, Iowa, it’s important to fully understand the terms and risks associated with this type of loan. We encourage you to do your research, compare rates and fees from multiple lenders, and only borrow what you can afford to repay.

F.A.Q.

Are there any alternatives to payday loans in Brandon, Iowa?

Yes, there are alternatives to payday loans in Brandon, Iowa, such as small personal loans from banks or credit unions, or assistance from social service agencies.

Is there any regulation of payday loans in Brandon, Iowa?

Yes, payday lending is regulated by the Iowa Division of Banking, which sets maximum interest rates and fees, and requires lenders to disclose all terms and conditions of the loan to the borrower.