Payday Loans in Conroy, Iowa

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

Company nameAddressZip codePhone number
CENT Credit Union 25 W State St, Mason City, IA 50401 +1 (641) 424 - 2368
Fidelity Bank & Trust 300 N 2nd St, Bellevue, IA 52031 +1 (563) 872 - 5515
Loeschen Tax & Accounting 706 E Central Ave, Estherville, IA 51334 +1 (712) 362 - 2802
Great Western Bank 1609 Madison St, Bedford, IA 50833 +1 (712) 523 - 3611
First Trust & Savings Bank 506 Davenport St, Dixon, IA 52745 +1 (563) 843 - 2000
Security National Bank 315 Cedar St, Lawton, IA 51030 +1 (712) 944 - 5171
Easy Cash Solutions 2660 Wiley Blvd SW, Cedar Rapids, IA 52404 +1 (319) 390 - 6954
Farm Credit Services of America 46429 235 Trail, Chariton, IA 50049 +1 (641) 774 - 8437
Thrivent Financial-Lutherans 1858 340th St, Forest City, IA 50436 +1 (641) 585 - 4918
Northwest Bank ATM - Hy-Vee 819 Grand Ave, Spencer, IA 51301 +1 (800) 678 - 4105

Payday Loan Companies in Nearby Cities

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

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

52220

Are Payday Loans Legal In Conroy, 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

Conroy, IA payday loan calculator

Understanding Payday Loans in Conroy, Iowa

Payday loans have become a popular way for people to get quick cash when they find themselves in a bind. As with most states, it is legal to get a payday loan in Iowa. If you reside in Conroy, Iowa, this article will help you understand how payday loans work and what you need to know before applying for one.

What is a Payday Loan?

A payday loan is a short-term loan aimed at helping individuals cover unexpected expenses that arise before their next paycheck. The loans are usually for small amounts, ranging from $50 to $500, with a repayment period usually not exceeding 31 days. To get this loan, you need to show proof of income with a post-dated check, which the lender will cash on your next payday if you fail to repay the loan on time. You can also provide the lender with permission to withdraw the money from your bank account electronically.

The Pros and Cons of Payday Loans

While payday loans can be a great solution for those facing financial difficulties, they come with specific risks and downsides.

  • Pros:
    • Quick access to cash: When you find yourself in a financial emergency, getting a payday loan can be a quick solution to get the cash you need.
    • Minimal requirements: Compared to other loans, payday loans have fewer requirements. You only need to be a U.S. citizen with a steady income and an active bank account to qualify.
    • No credit checks: Lenders offering payday loans do not perform a credit check, making it easier for people with bad credit to access the loans.
  • Cons:
    • High-interest rates: Payday loans come with high fees and interest rates, which can make it challenging to repay the loan on the due date.
    • Rollover fees: If you are unable to repay the loan on the due date, you may have to pay a roll-over fee to extend the loan’s repayment period.
    • Can trap you in debt: Once trapped in the cycle of payday loans, it can be challenging to get out of debt. So it’s best if you only take a payday loan when it’s absolutely necessary.

Payday Loan Laws in Conroy, Iowa

Payday loans are legal in Iowa, but there are specific regulations you need to know. Those laws are in place to protect the borrowers from predatory lenders.

  • Loan amount: The maximum loan amount you can obtain in Iowa is $500.
  • Loan term: The loan term for payday loans in Iowa is not to exceed 31 days.
  • Finance charges: Lenders cannot charge more than $15 for every $100 borrowed.
  • Annual percentage rate (APR): The APR on payday loans in Iowa cannot exceed 433%.
  • Rollovers: Iowa does not allow loan rollovers. So, if you are unable to pay your loan on the due date, your lender may not extend or renew your loan.

Interesting Facts About Payday Loans in Conroy, Iowa

  • Fact 1: According to the Iowa Division of Banking, there were 580,000 payday loans made in Iowa in 2018, with over 218,000 unique borrowers.
  • Fact 2: The Consumer Financial Protection Bureau (CFPB) reports that the average credit score of payday loan borrowers is 576.
  • Fact 3: The Iowa Attorney General’s office has emphasized that consumers should be very careful when taking out payday loans, particularly if they have a history of struggling with debt.

Apply Now

Are you facing a financial emergency and need quick cash? Apply for a payday loan today to get the cash you need without delay. At TheGuaranteedLoans, we make it simple for you to find the right lender that offers the best terms. As a loan connector, we work with a network of reputable lenders in Conroy, Iowa, and beyond. Complete our online application form, and we will connect you with a suitable lender within minutes. However, remember to borrow responsibly and only utilize payday loans as a short-term solution to your financial challenge.

F.A.Q.

Can I get a payday loan if I have bad credit in Conroy, Iowa?

Yes, you can get a payday loan if you have bad credit in Conroy, Iowa. Payday lenders typically do not conduct a traditional credit check and base their decision on your income and ability to repay the loan.

How do I apply for a payday loan in Conroy, Iowa?

To apply for a payday loan in Conroy, Iowa, you can visit a storefront lender or apply online. You will need to provide proof of income, a valid government-issued ID, and a checking account in good standing.