Payday Loans in Dallas, Iowa

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

Company nameAddressZip codePhone number
Community Bank & Trust 210 W 4th St, Wilton, IA 52778 +1 (563) 732 - 2077
Check Into Cash 2040 Edgewood Rd SW #100, Cedar Rapids, IA 52404 +1 (319) 396 - 6027
Sindlinger Mark W 100 1st St N, Newton, IA 50208 +1 (641) 792 - 5550
Walmart Money Center 1650 Washington St, Pella, IA 50219 +1 (641) 628 - 9881
CUSB Bank - Charles City 1407 S Grand Ave, Charles City, IA 50616 +1 (641) 228 - 2550
Dupaco Community Credit Union 1200 W Main St, Manchester, IA 52057 +1 (563) 927 - 6187
Richard Pierson - Ameriprise Financial Services, Inc. 202 1st St SE 216, Mason City, IA 50401 +1 (641) 423 - 1580
First State Bank 301 7th Ave, Sully, IA 50251 +1 (641) 594 - 3744
Payday Express 1404 Hamilton Blvd, Sioux City, IA 51103 +1 (712) 252 - 1652
Duclarkee Inc 222 E Robinson St, Knoxville, IA 50138 +1 (641) 828 - 8000

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Dallas, IA

Are Payday Loans Legal In Dallas, 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

Dallas, IA payday loan calculator

Payday Loans in Dallas, Iowa

Payday loans are a popular form of short-term borrowing that is available to people in need of quick cash. In Iowa, payday loans are legal, but the state has strict regulations in place to protect consumers. If you’re considering taking out a payday loan in Dallas, Iowa, it’s important to be informed about the process and the laws surrounding these loans.

How does a payday loan work?

A payday loan is a type of lending where a borrower takes out a small amount of money, usually less than $500, and pays it back on their next payday. The loan is typically provided by a lender in exchange for a post-dated check or an electronic debit authorization from the borrower’s bank account. The loan is due in full by the borrower’s next payday and includes the principal amount, fees, and interest charges.

The loan process is straightforward and typically requires the borrower to complete an application, provide some identification and banking information, and wait for a decision. Unlike traditional loans, payday loans don’t require a credit check, making them a popular choice for people with poor credit or no credit history at all.

What are the laws in Iowa?

While payday loans are legal in Iowa, the state has enacted several laws designed to protect consumers from predatory lending practices. The maximum amount a borrower can receive from a payday loan is $500, and the loan term must be no longer than 31 days. Lenders are also required to disclose all fees and interest charges in writing, and they must provide borrowers with a copy of the loan agreement.

There are also regulations in place to limit the number of loans a borrower can take out at one time. In Iowa, a borrower can only have two outstanding payday loans at any given time. In addition, lenders are prohibited from rolling over a loan or issuing a new one to a borrower to pay off an existing loan.

Benefits and risks of payday loans

Benefits

  • Quick access to cash when you need it
  • No credit check required
  • Easy application process

Risks

  • High fees and interest rates
  • Short repayment terms
  • Can trap borrowers in a cycle of debt

In general, payday loans should only be used as a last resort when all other options have been exhausted. Borrowers should carefully consider the costs and potential risks before taking out a loan, and they should have a plan in place to repay the loan in full and on time.

Interesting facts and statistics about payday loans in Dallas, Iowa

  • According to the Iowa Division of Banking, there were 200,000 payday loans issued in Iowa in 2020.
  • The average loan amount in Iowa was $315 in 2020.
  • The average APR for a payday loan in Iowa is 289%.
  • The majority of payday loan borrowers in Iowa are white, female, and between the ages of 25 and 44.
  • There are currently 175 licensed payday lenders in Iowa.

Apply Now

If you need quick access to cash, TheGuaranteedLoans can help connect you with a potential lender. We are not a direct lender, but we work with a network of lenders who may be able to provide you with a loan. To get started, simply fill out our online application and we’ll facilitate your connection with lenders who may be able to offer you a loan that meets your needs.

Remember, payday loans should only be used as a last resort and borrowers should have a solid plan in place to repay the loan in full and on time. If you’re struggling with debt, there are resources available to help you get back on track. The Iowa Attorney General’s Office offers a Consumer Protection Division that helps consumers with debt collection and other financial issues.

F.A.Q.

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

Yes, there are alternatives to payday loans in Dallas, 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 Dallas, Iowa?

It may be possible to get a payday loan with no employment in Dallas, 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.