Payday Loans in Cincinnati, Iowa

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

Company nameAddressZip codePhone number
Farmers State Bank 517 S Federal Ave 3803, Mason City, IA 50401 +1 (641) 424 - 1949
Commercial Service of Perry 408 12th St, Perry, IA 50220 +1 (515) 465 - 5817
Cobalt Credit Union 1404 Broadway, Denison, IA 51442 +1 (712) 263 - 5605
United Bank of Iowa 320 Front St, Pierson, IA 51048 +1 (712) 375 - 5329
Hills Bank 1009 2nd St, Coralville, IA 52241 +1 (319) 351 - 8000
Easy Cash Solutions 1626 5th Ave S, Fort Dodge, IA 50501 +1 (515) 576 - 3986
North Star Community CU 1030 S 2nd St, Cherokee, IA 51012 +1 (712) 225 - 5731
Great Western Bank 205 W 2nd St, Cedar Falls, IA 50613 +1 (319) 349 - 4930
Hometown Cash Advance 304 W Burlington Ave, Fairfield, IA 52556 +1 (641) 472 - 0600
United Bank of Iowa 501 2nd St, Ida Grove, IA 51445 +1 (712) 364 - 3393

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cincinnati, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bettendorf, IA, Short-term Loans in Cedar Falls, IA, Payday Loans in Cedar Rapids, IA, 24-Hour Loan in Council Bluffs, IA, Guaranteed Loans in Davenport, IA, Payday Loans in Des Moines, IA, Payday Loan for Dubuque, IA and Payday Loan for 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 Cincinnati, IA.

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

52549

Are Payday Loans Legal In Cincinnati, 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

Cincinnati, IA payday loan calculator

Understanding Payday Loans in Cincinnati, Iowa

When you find yourself in a tough financial situation, applying for a payday loan could be a way out. A payday loan is a small, short-term loan designed to help you cover unexpected expenses or make ends meet until your next paycheck. If you live in Cincinnati, Iowa, you might be wondering what your options are when it comes to obtaining a payday loan. In this article, we’ll cover everything you need to know about payday loans in Cincinnati and help you decide if it’s the right option for you.

How do Payday Loans work?

Payday loans in Cincinnati, Iowa work like any other payday loan. Typically, you’ll need to show proof of income and have a checking account to qualify. Once approved, you’ll write a post-dated check to the lender for the amount you borrowed plus fees and interest. The lender will hold onto this check and cash it on the due date, which is usually your next payday. If you’re unable to pay back the loan on the due date, you may be able to roll the loan over for another fee.

Are Payday Loans Legal in Cincinnati, Iowa?

Yes, payday loans are legal in Iowa, including Cincinnati. However, there are regulations in place to protect borrowers. The maximum loan amount is $500, and the maximum loan term is 31 days. The maximum finance charge is $15 for every $100 borrowed for the first $100 and an additional $10 per $100 for the remainder of the loan.

What are the Pros and Cons of Payday Loans?

Before you decide to take out a payday loan, it’s important to weigh the pros and cons. One advantage of payday loans is that they are easy to obtain, and you can get the money you need quickly, often within hours of applying. They’re also available to people with poor or no credit, making them an option for those who may not qualify for other types of loans. However, payday loans come with high-interest rates and fees, making them one of the most expensive types of loans available. Additionally, if you’re unable to repay the loan on time, you’ll be hit with additional fees and could find yourself in a debt cycle.

Interesting Facts and Statistics about Payday Loans in Cincinnati, Iowa

  • As of 2019, there were 209 payday loan storefronts in Iowa.
  • The average payday loan in Iowa is for $326.
  • Iowa law prohibits borrowers from taking out more than two payday loans at once.
  • Over 32% of payday loan borrowers in Iowa took out seven or more loans in 2019.

Apply Now

If you’ve decided that a payday loan is the right option for you, TheGuaranteedLoans can connect you with potential lenders in Cincinnati, Iowa. Simply fill out our online application, and we’ll match you with lenders who can provide the money you need. It’s important to note that TheGuaranteedLoans is not a direct lender, and we don’t make credit decisions. Instead, we facilitate the connection between you and potential lenders.

Conclusion

Payday loans can be a helpful tool when you’re in a financial bind, but they’re not without risks. Before you decide to take out a payday loan, be sure to weigh the pros and cons and consider all your options. Always borrow responsibly and only borrow what you can afford to repay. If you’re ready to apply, fill out our online application, and we’ll help connect you with potential lenders in Cincinnati, Iowa.

F.A.Q.

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

It may be possible to get a payday loan if you have a bankruptcy in Cincinnati, 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 Cincinnati, Iowa?

Yes, you can get a payday loan if you are a military member in Cincinnati, 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.