Payday Loans in Cedar Falls, Iowa

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Payday Loan Companies in Cedar Falls, IA

Company nameAddressZip codePhone number
Advance America 6322 University Ave. Space M 50613 +1 (319) 266 - 4629
Cedar Falls Community Credit 123 W 4th St 50613 +1 (319) 266 - 7531
Chec King Payday Advance 4116 University Ave #103 50613 +1 (319) 268 - 4220
Duee's Pawn & Gun 2024 Center St 50613 +1 (319) 266 - 7807
Farm Credit Services of America 7419 Nordic Dr 50613 +1 (319) 266 - 3551
Farmers State Bank 1710 W 1st St 50613 +1 (319) 287 - 3961
Great Western Bank 205 W 2nd St 50613 +1 (319) 349 - 4930
MidWestOne Bank 4510 Prairie Pkwy 50613 +1 (319) 277 - 2500
The Accel Group - Cedar Falls 100 E 2nd St 205 50613 +1 (319) 596 - 1101
TIAA Financial Services 515 Main St 50613 +1 (866) 842 - 2977

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cedar Falls, IA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Cedar Rapids, IA, Payday Loans in Council Bluffs, IA, Emergency Loan in Davenport, IA, Payday Loan Companies in Des Moines, IA, Payday Loan for Dubuque, IA, Emergency Loan in Iowa City, IA, Payday Loan Companies in Marion, IA and 24-Hour Loan in Sioux City, 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 Cedar Falls, IA.

Beautiful sights of Cedar Falls, IA

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

50613, 50614

Are Payday Loans Legal In Cedar Falls, 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

Cedar Falls, IA payday loan calculator

Payday Loans in Cedar Falls, Iowa

Payday loans are short-term, high-cost loans designed to be borrowed and repaid when the borrower receives their next paycheck. Payday loans are legal in Iowa, but with regulations that limit loans to $500 with an APR of no more than 36%. Borrowers should be aware that payday loans are often considered a type of high-risk loan and should always be treated with caution.

What is a Payday Loan?

A payday loan is a short-term loan that typically requires the borrower to repay the loan on the date of their next paycheck. These loans are designed to cover a temporary cash-flow shortage until the borrower can receive their next paycheck. Payday loans usually have higher fees and interest compared to other types of loans and are best used as a short-term solution to cover unexpected expenses.

Payday Loan Regulations in Iowa

Payday loans are legal in Iowa and there are regulations that must be followed by lenders. Payday loans are limited to a maximum of $500, with a maximum APR of 36%. All lenders must be licensed and all loans must include a written contract. Borrowers must also be provided with a payment schedule and the ability to repay the loan in installments.

Who Qualifies for a Payday Loan in Iowa?

In order to qualify for a payday loan in Iowa, borrowers must be at least 18 years of age and employed, or have some other verifiable source of income. Borrowers must also have an active bank account to receive funds and must meet the lender’s credit requirements.

What to Consider Before Taking out a Payday Loan

Payday loans can be an expensive and risky form of borrowing. Before taking out a payday loan, borrowers should make sure they understand the terms and conditions of the loan and make sure they have the ability to repay the loan. Borrowers should also consider other forms of financing, such as a bank loan or credit card, if possible.

Payday loans should always be considered a last resort and borrowers should only borrow as much as they can reasonably afford to repay.

Applying for a Payday Loan in Cedar Falls, Iowa

Applying for a payday loan in Cedar Falls, Iowa can be done online or in person at a payday loan store. Borrowers should always consider shopping around for the best rates and terms on a payday loan. TheGuaranteedLoans website can help you connect with lenders in your area who may be able to help you get the funds you need.

FAQs

Are payday loans legal in Iowa?

Yes, payday loans are legal in Iowa. However, lenders must follow certain regulations, including a maximum loan amount of $500 and a maximum APR of 36%.

What do I need to qualify for a payday loan in Iowa?

In order to qualify for a payday loan in Iowa, borrowers must be at least 18 years of age and employed, or have some other verifiable source of income. Borrowers must also have an active bank account to receive funds and must meet the lender’s credit requirements.

What should I consider before taking out a payday loan?

Payday loans should always be considered a last resort and borrowers should only borrow as much as they can reasonably afford to repay. Borrowers should also consider other forms of financing, such as a bank loan or credit card, if possible.

Apply Now

If you’re looking for a payday loan in Cedar Falls, Iowa, TheGuaranteedLoans can help. We can help you connect with lenders who may be able to provide you with the funds you need. Remember, TheGuaranteedLoans is not a lender and does not make loans directly. We simply connect you with lenders who may be able to help. Apply now and get the cash you need!

More F.A.Q.

What are the interest rates for payday loans in Cedar Falls, Iowa?

Payday loans in Cedar Falls, Iowa are allowed to have interest rates up to 29% per year.

Can I renew or extend my payday loan in Cedar Falls, Iowa?

No, payday loans in Cedar Falls, Iowa are not eligible for renewal or extension.

How Many Cash Advance Companies are in Cedar Falls, IA?

With the help of our service, you will be able to find 10 cash advance companies in Cedar Falls, IA

What Cash Advance Companies in Cedar Falls, IA are the most popular?

You should check Advance America, Cedar Falls Community Credit, and Chec King Payday Advance. Also, you can start your application online on our website.