Payday Loans in Columbus City, Iowa

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

Company nameAddressZip codePhone number
Cash N Go 1043 Sunset Dr UNIT 4, Norwalk, IA 50211 +1 (515) 981 - 0934
ACE Cash Express 3030 W Broadway Suite 4, Council Bluffs, IA 51501 +1 (712) 323 - 1852
Check Into Cash 1709 N Jefferson Way Suite 300, Indianola, IA 50125 +1 (515) 639 - 3016
Waukon State Bank 22 W Main St, Waukon, IA 52172 +1 (563) 568 - 3451
Farm Credit Services of America 46429 235 Trail, Chariton, IA 50049 +1 (641) 774 - 8437
Advance America 1821 22nd St #104, West Des Moines, IA 50266 +1 (515) 440 - 3016
Mister Money USA 1165 E Locust St, Davenport, IA 52803 +1 (563) 326 - 3394
Rod Place - Thrivent Financial 2705 Northridge Pkwy Suite 102, Ames, IA 50010 +1 (515) 292 - 6469
Cash Lynk LLC 2421 Coral Ct, Coralville, IA 52241 +1 (319) 545 - 4027
Citizens Bank 500 W Main St, Sac City, IA 50583 +1 (712) 662 - 4755

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Columbus City, IA, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Waterloo, IA, Guaranteed Loans in West Des Moines, IA, Payday Loans in Ames, IA, Payday Loans in Ankeny, IA, Emergency Loan in Bettendorf, IA, Online Loans in Cedar Falls, IA, Quick Loan in Cedar Rapids, IA and Payday Loans in Council Bluffs, 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 Columbus City, IA.

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

52737

Are Payday Loans Legal In Columbus City, 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

Columbus City, IA payday loan calculator

The Ins and Outs of Payday Loans in Columbus City, Iowa

If you’re struggling financially and need quick cash to cover unexpected expenses, a payday loan might be a viable option. Payday loans are short-term loans that are typically due on your next payday. For those in Columbus City, Iowa, these types of loans are legal and could be the perfect solution when you need cash fast.

How Payday Loans Work in Columbus City, Iowa

Payday loans are regulated in Columbus City, Iowa, which means that there are specific laws that govern these types of loans. For instance, the maximum amount you can borrow is $500, and lenders are not allowed to charge interest rates that exceed 15% of the loan amount. Additionally, lenders cannot charge you more than $15 for every $100 you borrow.

If you decide to apply for a payday loan in Columbus City, Iowa, you’ll need to provide the lender with some personal information, such as your name, address, and social security number. You may also need to provide proof of employment, such as pay stubs or bank statements.

The Pros and Cons of Payday Loans

Like any financial product, payday loans come with both pros and cons. One of the most significant advantages of these types of loans is that they’re typically easy to qualify for, and the application process is usually straightforward. Additionally, if you have bad credit, you may still be able to obtain a payday loan.

However, there are also some drawbacks to consider. Perhaps the most significant disadvantage of payday loans is the high-interest rates and fees. If you’re unable to repay your loan on time, the fees and interest can quickly add up, leaving you in a worse financial situation than before.

Interesting Facts and Statistics About Payday Loans in Columbus City, Iowa

– The average payday loan in Iowa is $298.62.
– The average APR on a payday loan in Iowa is 273%.
– The average borrower takes out 10 loans per year.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can arise at any time, and we’re here to help connect you with potential lenders. We’re not a direct lender, but rather a connector service that matches borrowers with lenders who may meet their needs.

To apply for a payday loan, simply fill out our online application form, and we’ll do the rest. As a final note, we recommend that you carefully read the terms and conditions of any loan you’re considering to ensure that you understand the fees and repayment terms fully.

In conclusion, payday loans can offer a viable solution for those in need of quick cash in Columbus City, Iowa. However, like any financial product, it’s essential to consider the pros and cons and carefully review the terms and conditions to make an informed decision.

F.A.Q.

Can a payday loan lender in Columbus City, Iowa charge a penalty for early repayment of the loan?

No, a payday loan lender in Columbus City, Iowa cannot charge a penalty for early repayment of the loan. In fact, borrowers are encouraged to pay off their loans as soon as possible to avoid high interest charges.

Is there a minimum loan term for payday loans in Columbus City, Iowa?

Yes, the minimum loan term for payday loans in Columbus City, Iowa is 14 days. However, lenders can offer longer loan terms if they choose to do so.