Payday Loans in Center Junction, Iowa

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

Company nameAddressZip codePhone number
LPI Loans 204 4th Ave S, Clinton, IA 52732 +1 (563) 242 - 8800
Community State Bank 801 W Main St, West Branch, IA 52358 +1 (319) 643 - 3155
Check It Out 711 Church St, Ottumwa, IA 52501 +1 (641) 954 - 9000
Advance America 1821 22nd St STE 104, West Des Moines, IA 50266 +1 (515) 440 - 3016
Federal Home Loan Bank of Des Moines 909 Locust St, Des Moines, IA 50309 +1 (800) 544 - 3452
DuTrac Community Credit Union 200 N 4th Ave, Eldridge, IA 52748 +1 (563) 285 - 7771
Great Southern Bank 12257 University Ave, Clive, IA 50325 +1 (515) 453 - 2265
Walmart Money Center 500 11th St SW, Spencer, IA 51301 +1 (712) 262 - 5001
Logan State Bank 125 N Willow Rd, Missouri Valley, IA 51555 +1 (712) 642 - 2310
Cash N Go 1043 Sunset Dr #4, Norwalk, IA 50211 +1 (515) 981 - 0934

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Center Junction, IA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Marion, IA, Short-term Loans in Sioux City, IA, Payday Loan Without a Credit Check in Urbandale, IA, Payday Loans in Waterloo, IA, Quick Loan in West Des Moines, IA, Payday Loans in Ames, IA, Payday Loans in Ankeny, IA and Payday Loans in Bettendorf, 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 Center Junction, IA.

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

52212

Are Payday Loans Legal In Center Junction, 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

Center Junction, IA payday loan calculator

Center Junction, Iowa is a small city that has struggled with various economic challenges over the years. However, payday loans are legal in Iowa, making them an accessible option for many in need of emergency financial aid. If you’re considering a payday loan in Center Junction, here are some important things to keep in mind.

What Are Payday Loans?

Payday loans are short-term loans that allow borrowers to receive cash advances against their next paycheck. These loans can be an attractive option for those who need cash quickly and don’t have access to traditional borrowing options. Lenders typically require proof of income and a post-dated check or electronic access to the borrower’s bank account to secure the loan.

Interest Rates and Fees

The interest rates and fees associated with payday loans can vary depending on the lender and the borrower’s credit history. In Iowa, the maximum amount that can be borrowed through a payday loan is $500, and lenders are allowed to charge fees of up to $15 for every $100 borrowed. This means that for a $500 loan, a borrower could end up paying up to $75 in fees alone.

It is important to carefully read the terms and conditions of any loan agreement before signing. Many borrowers have found themselves caught in a cycle of debt, as they are unable to repay the loan in full at the end of the term and end up taking out additional loans to cover the fees and interest.

Benefits of Payday Loans

Despite the potential risks, payday loans can be a valuable resource for those in need of emergency cash. Unlike traditional loans, payday loans typically do not require a credit check, making them accessible to individuals with poor credit scores or limited credit history. Additionally, payday loans can be processed quickly, with funds typically available within a day or two of application.

Facts and Statistics About Payday Loans in Center Junction, Iowa

  • In Iowa, the average payday loan is for $341
  • Approximately one in four Iowans take out a payday loan each year
  • The average interest rate for a payday loan in Iowa is 273%
  • The payday loan industry in Iowa generates approximately $45 million in fees each year

Apply Now

If you are in need of emergency cash and are considering a payday loan in Center Junction, TheGuaranteedLoans can help. As a connector service, we work with a network of reputable lenders to help borrowers find the best loan options for their needs. To get started, simply fill out our online application and we’ll connect you with potential lenders. Remember to read all loan terms and conditions carefully before signing.

When it comes to payday loans in Center Junction, Iowa, it’s important to weigh the benefits against the potential risks. While these loans can provide emergency cash for those in need, borrowers should be wary of high interest rates and fees, and should only take out loans they are confident they can repay in full.

F.A.Q.

What is a payday loan in Center Junction, Iowa?

A payday loan is a short-term, high-interest loan that is intended to be repaid on the borrower's next payday.

How do I qualify for a payday loan in Center Junction, Iowa?

To qualify for a payday loan in Center Junction, Iowa, you must be at least 18 years old, have a regular source of income, and have an active checking account.