Payday Loans in Clutier, Iowa

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

Company nameAddressZip codePhone number
Connection Bank 636 Ave G, Fort Madison, IA 52627 +1 (319) 372 - 5164
MidWestOne Bank 2408 W Burlington Ave, Fairfield, IA 52556 +1 (641) 472 - 2424
Farmers Bank of Northern Missouri 205 NW Church St 1341, Leon, IA 50144 +1 (641) 446 - 7200
Farmers State Bank 175 Center Point Rd, Hiawatha, IA 52233 +1 (319) 377 - 4891
Bank of America Drive-thru Service Only 3400 Westown Pkwy, West Des Moines, IA 50266 +1 (515) 224 - 0615
United Bank of Iowa 210 Front Ave, Pocahontas, IA 50574 +1 (712) 335 - 4277
Farm Credit Services of America 4512 S Lakeport St, Sioux City, IA 51106 +1 (712) 271 - 1262
Liberty Trust & Savings Bank 236 Main St, Bennett, IA 52721 +1 (563) 890 - 2272
Jerry's Pawn & Jewelry 1599 Central Ave, Dubuque, IA 52001 +1 (563) 583 - 0657
Mc Nally Abstract Co 1122 Broadway St A, Emmetsburg, IA 50536 +1 (712) 852 - 2365

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Clutier, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Ankeny, IA, Payday Loans in Bettendorf, IA, Payday Loans in Cedar Falls, IA, Quick Loan in Cedar Rapids, IA, Payday Loan Without a Credit Check in Council Bluffs, IA, Same Day Loans in Davenport, IA, Guaranteed Loans in Des Moines, IA and Payday Loans in Dubuque, 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 Clutier, IA.

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

52217

Are Payday Loans Legal In Clutier, 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

Clutier, IA payday loan calculator

In Clutier, Iowa, payday loans are a common way for residents to obtain quick access to cash. Payday loans are a type of short-term loan that allows borrowers to borrow small amounts of money, typically ranging from $200 to $500, that must be paid back within a short period of time, usually two weeks or less.

How Do Payday Loans Work in Clutier, Iowa?

Payday loans are legal in Iowa, including in Clutier, and are regulated by the Iowa Division of Banking. These loans are typically offered by private lenders, both in storefronts and online.

To obtain a payday loan in Clutier, Iowa, a borrower must provide the lender with proof of income and identification. The lender will then evaluate the borrower’s financial situation and determine how much money they are eligible to borrow.

If approved, the borrower must sign an agreement stating the amount of the loan, the fees associated with the loan, and the due date of the loan. Typically, the lender will require the borrower to write a post-dated check for the loan amount plus the fees, which the lender will cash on the due date if the borrower does not come in and pay off the loan in person.

What Are the Pros and Cons of Payday Loans in Clutier, Iowa?

Pros:

  • Quick access to funds: Payday loans can be obtained quickly and easily, making them a good option for those who need cash in a hurry.
  • No credit check: Most payday lenders do not require a credit check, which means borrowers with poor credit may still be eligible for a loan.
  • Fewer requirements: Payday lenders typically have fewer requirements than traditional lenders, making it easier for borrowers to qualify for a loan.

Cons:

  • High fees and interest rates: Payday loans come with high fees and interest rates, which can make them expensive for borrowers.
  • Short repayment terms: Payday loans must be repaid within a short period of time, which can be challenging for borrowers who are already struggling financially.
  • Potential for debt cycle: Borrowers who cannot repay their loan on time may be forced to roll over the loan, incurring additional fees and interest and potentially trapping them in a cycle of debt.

Interesting Facts about Payday Loans in Clutier, Iowa

  • According to the Iowa Division of Banking, the average payday loan in Iowa is $306.
  • In 2019, the Iowa legislature passed a law capping the interest rate on payday loans at 36%, down from the previous rate of up to 400% in some cases.
  • Payday lending is regulated by Chapter 533D of the Iowa Code, which sets out the rules governing lending practices and borrower protections.

Apply Now

If you are in need of a payday loan in Clutier, Iowa, TheGuaranteedLoans can help connect you with potential lenders. Simply fill out our online application form and we will match you with lenders that meet your needs. Remember, we are a connector service, not a direct lender, so we do not make lending decisions or determine loan terms.

F.A.Q.

Are there any alternatives to payday loans in Clutier, Iowa?

Yes, there are alternatives to payday loans in Clutier, Iowa, such as borrowing from friends or family, taking out a personal loan, or working with a credit counseling agency to develop a budget and payment plan.

Is it possible to get a payday loan with no employment in Clutier, Iowa?

It may be possible to get a payday loan with no employment in Clutier, Iowa if you have another source of income, such as government benefits or alimony payments. However, most lenders will require proof of income to qualify for a loan.