Payday Loans in Cedar, Iowa

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

Company nameAddressZip codePhone number
Marine Credit Union Davenport 709 E 46th St, Davenport, IA 52807 +1 (563) 391 - 2850
Great Western Bank 304 Commerce Dr, Prairie City, IA 50228 +1 (515) 994 - 2619
Kronlage & Olson, PC 117 N Jackson St, Charles City, IA 50616 +1 (641) 228 - 5900
Two Rivers Bank & Trust 222 N Main St, Burlington, IA 52601 +1 (319) 753 - 9100
Northeast Security Bank 134 W Main St, Fredericksburg, IA 50630 +1 (563) 237 - 5321
United Bank of Iowa 107 Main St, Cushing, IA 51018 +1 (712) 384 - 2110
Jerry's Pawn & Jewelry 1599 Central Ave, Dubuque, IA 52001 +1 (563) 583 - 0657
VisionBank 925 SE Gateway Dr, Grimes, IA 50111 +1 (515) 986 - 5746
Fidelity Bank & Trust 208 2nd St SE, Dyersville, IA 52040 +1 (563) 875 - 7157
United Bank of Iowa 417 4th St, Rockwell City, IA 50579 +1 (712) 297 - 7547

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Cedar, IA

Are Payday Loans Legal In Cedar, 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, IA payday loan calculator

Payday Loans in Cedar, Iowa: A Comprehensive Guide

Payday loans are a type of short-term loan that can be useful in a financial emergency. While the interest rates on these loans can be high, they are generally considered a legal and regulated option for borrowing money. This guide will provide a comprehensive overview of payday loans in Cedar, Iowa, including their legality, regulations, requirements, and more.

The Legality of Payday Loans in Cedar, Iowa

Payday loans are legal in the state of Iowa, including in Cedar. While there are no specific laws that regulate the interest rates that can be charged on these loans, lenders are limited in the amount they can lend. In Iowa, borrowers are typically limited to borrowing up to $500 at a time.

The Application Process for Payday Loans in Cedar, Iowa

The application process for a payday loan in Cedar is generally straightforward. In most cases, applicants will be required to provide proof of income, proof of residency, and a valid ID. Some lenders may also require a credit check, although this is not always the case.

  • Proof of income may include a recent pay stub or bank statement
  • Proof of residency may include a utility bill or lease agreement
  • Valid ID may include a driver’s license or passport

The Requirements for Payday Loans in Cedar, Iowa

In order to be eligible for a payday loan in Cedar, Iowa, applicants must meet certain requirements. These may vary depending on the lender, but typically include:

  • Being at least 18 years old
  • Having a valid ID
  • Having proof of income and residency
  • Having an active bank account

The Benefits of Payday Loans in Cedar, Iowa

Payday loans can be a useful option for those who need money quickly and don’t have other options available. Some of the benefits of payday loans in Cedar, Iowa, include:

  • Quick access to cash
  • No credit check required in some cases
  • Simple application process
  • Legal and regulated

The Risks of Payday Loans in Cedar, Iowa

While payday loans can be helpful in certain situations, they also come with some risks. Some of the risks of payday loans in Cedar, Iowa, include:

  • High interest rates
  • Potential for rollover fees and penalties
  • Potential for debt spirals if not repaid on time

Interesting Facts and Statistics About Payday Loans in Cedar, Iowa

According to recent studies, the average payday loan in Iowa is approximately $341, and the average borrower takes out 12 loans per year. While payday loans are legal in Iowa, there are ongoing efforts to regulate the industry and protect consumers from potential harm.

Apply Now for a Payday Loan in Cedar, Iowa

If you need a payday loan in Cedar, Iowa, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is simple and straightforward, and we work with a network of reputable lenders who can offer competitive rates and terms. Please note that TheGuaranteedLoans is not a direct lender, but a connector service that can help facilitate your connection with potential lenders.

Apply now to see if you qualify for a payday loan in Cedar, Iowa. Don’t let an unexpected expense derail your finances—TheGuaranteedLoans is here to help.

F.A.Q.

Can I get a payday loan if I have a bankruptcy in Cedar, Iowa?

It may be possible to get a payday loan if you have a bankruptcy in Cedar, Iowa, as payday lenders do not typically conduct a traditional credit check. However, you will still need to provide proof of income and a checking account in good standing to qualify for a loan.

Can I get a payday loan if I am a military member in Cedar, Iowa?

Yes, you can get a payday loan if you are a military member in Cedar, Iowa. However, military members are protected by the Military Lending Act, which limits the fees and interest rates that lenders can charge on loans to military members and their families.