Payday Loans in Crystal Lake, Iowa

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

Company nameAddressZip codePhone number
EZPAWN 1165 E Locust St, Davenport, IA 52803 +1 (563) 326 - 3394
Advance America 4502 Avenue O, Ste 1 & 2, Fort Madison, IA 52627 +1 (319) 372 - 4302
United Bank of Iowa 1608 1st Ave S, Fort Dodge, IA 50501 +1 (515) 576 - 5111
EZ Money Check Cashing 700 La Porte Rd, Waterloo, IA 50702 +1 (319) 226 - 6185
MidWestOne Bank 3225 Division St, Burlington, IA 52601 +1 (319) 754 - 6526
Liptak Law Office Robert J. Liptak, Attorney, 1890 185th St, Fairfield, IA 52556 +1 (641) 209 - 6187
Aspire Resources Inc 6805 Vista Dr, West Des Moines, IA 50266 +1 (877) 855 - 1119
Check `n Go 3005 1st Ave S, Fort Dodge, IA 50501 +1 (515) 604 - 8482
PPS Financial Services Inc 1508 1st Ave NE, Cedar Rapids, IA 52402 +1 (319) 362 - 3225
Clinton National Bank 329 Ferry Rd, Miles, IA 52064 +1 (563) 682 - 7777

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Crystal Lake, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Davenport, IA, Guaranteed Loans in Des Moines, IA, Online Loans in Dubuque, IA, Payday Loans in Iowa City, IA, Payday Loans in Marion, IA, Emergency Loan in Sioux City, IA, Payday Loan Without a Credit Check in Urbandale, IA and Online Loans in Waterloo, 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 Crystal Lake, IA.

Beautiful sights of Crystal Lake, IA

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

50432

Are Payday Loans Legal In Crystal Lake, 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

Crystal Lake, IA payday loan calculator

Payday loans are a popular form of short-term lending that has helped many people to cover unexpected expenses. In Crystal Lake, Iowa, these loans have become increasingly popular due to their accessibility and convenience. However, it is important to understand the risks associated with these loans before applying.

What are Payday Loans?

A payday loan is a short-term loan that is typically due on the borrower’s next payday. These loans are meant to be used for emergency expenses such as medical bills, car repairs, or utility bills. Payday loans are offered by many lenders, including online lenders and storefront businesses.

When a borrower takes out a payday loan, they must provide the lender with a post-dated check or authorize an electronic withdrawal from their bank account for the amount of the loan plus fees. The lender will then provide the borrower with the loan amount, which is typically between $100 and $1000.

Payday Loans in Crystal Lake, Iowa

Payday loans are legal in Iowa, including in Crystal Lake. This means that residents of Crystal Lake can legally apply for and receive payday loans from licensed lenders.

It is important to note that the state of Iowa has established certain regulations for payday lenders to protect borrowers from predatory lending practices. For example, lenders cannot charge more than $15 for every $100 borrowed, and loans cannot exceed $500. Additionally, lenders are required to disclose all fees and interest rates upfront.

However, it is crucial to remember that payday loans are meant to be short-term solutions and should be used responsibly. Borrowers should only take out payday loans if they are confident they can repay the loan on time and in full.

The Risks of Payday Loans

While payday loans can be helpful in emergencies, they also come with risks. One of the biggest risks associated with payday loans is the high interest rates and fees. On average, payday loan fees in Iowa can be as high as 433% APR.

Another risk of payday loans is the potential for a cycle of debt. If a borrower is unable to repay the loan on time, they may be forced to roll over the loan, which incurs additional fees and interest. This can lead to a cycle of debt, where the borrower takes out new loans to pay off old ones.

Interesting Facts About Payday Loans in Crystal Lake, Iowa

  • As of 2019, there were 220 licensed payday lenders in the state of Iowa.
  • The average payday loan in Iowa is for $341.
  • According to a survey conducted by USA Today in 2018, 19 million Americans use payday loans each year.
  • Iowa has the 15th highest number of payday lenders in the United States.

Apply Now

If you are in need of a payday loan in Crystal Lake, Iowa, TheGuaranteedLoans can help. We are a connector service that can connect you with potential lenders who can provide you with the loan you need.

It is important to note that TheGuaranteedLoans is not a direct lender. Instead, we work with a network of reputable lenders to provide you with options that meet your needs.

To apply for a payday loan with TheGuaranteedLoans, simply fill out our online application form. We will then connect you with potential lenders who will contact you directly to discuss your loan options and terms.

Conclusion

Payday loans can be a helpful option for covering emergency expenses in Crystal Lake, Iowa. However, it is crucial to understand the risks associated with these loans and to use them responsibly. By working with TheGuaranteedLoans, you can ensure that you are connected with reputable lenders who will provide you with a loan that meets your needs.

F.A.Q.

Are there any restrictions on the number of times a borrower can renew a payday loan in Crystal Lake, Iowa?

Yes, in Crystal Lake, Iowa, a borrower can only renew a payday loan twice. After the second renewal, the borrower must pay off the loan in full or enter into a payment plan with the lender.

Can a payday loan lender in Crystal Lake, Iowa provide a borrower with a grace period before repayment is due?

Yes, a payday loan lender in Crystal Lake, Iowa can provide a borrower with a grace period before repayment is due. However, the lender is not required to do so, and the length of the grace period is at the discretion of the lender.