Payday Loans in Cambridge, Iowa

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

Company nameAddressZip codePhone number
Cash Lynk LLC 2421 Coral Ct, Coralville, IA 52241 +1 (319) 545 - 4027
VisionBank 201 US-69, Huxley, IA 50124 +1 (515) 597 - 4477
Farmers State Bank 131 Tower Park Dr 100, Waterloo, IA 50701 +1 (319) 287 - 3961
Fidelity Bank & Trust 25 N Chestnut Ave, New Hampton, IA 50659 +1 (641) 394 - 3021
Online Payday Loans Des Moines 1101 Crocker St Elevator Lobby, Des Moines, IA 50309 +1 (833) 274 - 9982
Hometown Cash Advance 405 E Main St 2, Anamosa, IA 52205 +1 (319) 462 - 6118
Walmart Money Center 415 Industrial Ave, Grinnell, IA 50112 +1 (641) 236 - 4999
Country Home Loans 4056 4th St SW, Mason City, IA 50401 +1 (641) 423 - 2862
Money & More 723 Franklin St, Waterloo, IA 50703 +1 (319) 234 - 1200
Community Savings Bank 221 E Main St, Manchester, IA 52057 +1 (563) 927 - 4014

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cambridge, IA, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Council Bluffs, IA, Bad Credit Loans in Davenport, IA, No Credit Check Loans in Des Moines, IA, Payday Loans in Dubuque, IA, No Credit Check Loans in Iowa City, IA, Emergency Loan 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 Cambridge, IA.

Beautiful sights of Cambridge, IA

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

50046

Are Payday Loans Legal In Cambridge, 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

Cambridge, IA payday loan calculator

Overview of Payday Loans in Cambridge, Iowa

Payday loans are a type of short-term loan that can help you cover unexpected expenses until your next paycheck. These loans are typically for small amounts, and they often come with high-interest rates and fees. In Iowa, payday loans are legal, but there are strict regulations in place to protect borrowers from predatory lenders.

Applying for a Payday Loan in Cambridge, Iowa

If you’re considering a payday loan, it’s important to understand the application process. You’ll need to provide some basic information about yourself, including your name, address, and employment status. You’ll also need to provide proof of income and a valid ID.

Once you’ve submitted your application, the lender will review your information and decide whether to approve your loan. If you’re approved, you’ll typically receive the money within one business day.

Payday Loan Regulations in Cambridge, Iowa

As we mentioned earlier, Iowa has strict regulations in place to protect borrowers from predatory lenders. Here are a few of the most important regulations:

  • The maximum loan amount is $500.
  • The maximum loan term is 31 days.
  • The maximum finance charge is $15 for every $100 borrowed.
  • Borrowers are only allowed to take out one loan at a time.
  • Lenders are required to disclose all fees and charges upfront.
  • Lenders are prohibited from charging rollover fees.

It’s important to note that these regulations are designed to protect borrowers from predatory lenders. However, it’s still important to read the terms and conditions of any loan carefully before signing up.

Pros and Cons of Payday Loans in Cambridge, Iowa

Like any financial product, payday loans have their pros and cons. Here are a few things to consider:

  • Pros: Payday loans can be a good option if you need money quickly and have no other options. They’re also easier to qualify for than traditional loans, as lenders typically don’t require a credit check.
  • Cons: Payday loans come with high-interest rates and fees, which can make them more expensive than other forms of credit. They can also trap borrowers in a cycle of debt if they can’t repay the loan on time.

Interesting Facts and Statistics about Payday Loans in Cambridge, Iowa

  • In Iowa, the average payday loan borrower takes out 12 loans per year.
  • The average payday loan amount in Iowa is $273.
  • The average payday loan APR in Iowa is 273%.

Apply Now for a Payday Loan in Cambridge, Iowa

If you’re considering a payday loan in Cambridge, Iowa, TheGuaranteedLoans can help. We are a connector service that can help you find a lender who meets your needs. Our application process is fast and easy, and we work with a network of reputable lenders who are committed to responsible lending practices.

To get started, simply fill out our online application. We’ll match you with potential lenders who can help you get the money you need. Remember, payday loans are a type of short-term loan, and they should only be used for emergencies. If you’re struggling with debt, it’s important to seek professional help from a qualified financial advisor.

F.A.Q.

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

Yes, in Cambridge, 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 Cambridge, Iowa?

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