Payday Loans in Delaware, Iowa

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

Company nameAddressZip codePhone number
Check Into Cash 600-B W Taylor St, Creston, IA 50801 +1 (641) 782 - 2247
Farm Credit Services of America 1902 D Ave W, Oskaloosa, IA 52577 +1 (641) 682 - 8778
Mister Money USA 3820 E 14th St, Des Moines, IA 50313 +1 (515) 261 - 0306
Allied Pawn Loans & Jewelry 2013 Central Ave #900, Dubuque, IA 52001 +1 (563) 583 - 5187
Mister Money USA 1344 1st Ave NE, Cedar Rapids, IA 52402 +1 (319) 286 - 8108
Vogel Bancshares Inc 105 Albany Ave SE, Orange City, IA 51041 +1 (712) 737 - 4818
EZ Money Check Cashing 2411 S 24th St #4, Council Bluffs, IA 51501 +1 (712) 256 - 7800
Morgan Stanley 822 Central Ave Suite 325, Fort Dodge, IA 50501 +1 (515) 576 - 2116
Bank Iowa - Shenandoah 701 W Sheridan Ave, Shenandoah, IA 51601 +1 (712) 246 - 1311
Advance America 2600 Dodge St c, Dubuque, IA 52003 +1 (563) 582 - 0625

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Delaware, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in West Des Moines, IA, No Credit Check Loans in Ames, IA, Payday Loan Without a Credit Check in Ankeny, IA, Payday Loans in Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loan for Cedar Rapids, IA, Payday Loans in Council Bluffs, IA and Payday Loan Companies in Davenport, 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 Delaware, IA.

Beautiful sights of Delaware, IA

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

52036

Are Payday Loans Legal In Delaware, 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

Delaware, IA payday loan calculator

Are you considering taking out a payday loan in Delaware, Iowa? Payday loans can help people cover unexpected expenses or bridge a gap between paychecks. However, it’s important to understand the risks and benefits of these loans before you apply.

What Are Payday Loans?

Payday loans are short-term loans that typically range from $100 to $500. These loans are designed to be repaid on your next payday, typically within two to four weeks. The lender will usually require proof of income and a checking account in order to approve your loan.

While payday loans can be useful in emergencies, they also have high interest rates and fees. According to the Iowa Attorney General’s Office, some lenders charge up to 400% APR on these loans. It’s also not uncommon for borrowers to become trapped in a cycle of debt, taking out new loans to repay old ones.

Are Payday Loans Legal in Iowa?

Yes, payday loans are legal in Iowa. However, the state has laws in place to protect consumers from predatory lending practices. For example, lenders may not charge more than $15 in fees for every $100 borrowed. Iowa also has a cooling-off period, which means you cannot take out another payday loan until at least one day after you repay your current loan.

Pros and Cons of Payday Loans in Delaware, Iowa

Before you decide to take out a payday loan, it’s important to consider both the benefits and drawbacks.

Pros

  • Quick approval: Payday loans are often approved within minutes, making them a good option when you need cash fast.
  • No credit check: Payday lenders usually don’t require a credit check, which means you can still get approved even if you have poor credit.
  • Flexible repayment terms: You can typically choose to repay the loan on your next payday or extend the loan for a fee.

Cons

  • High interest rates: Payday loans come with high interest rates and fees, which can make them expensive to pay back.
  • Cycle of debt: If you can’t repay the loan on time, you may be trapped in a cycle of debt, taking out new loans to repay old ones.
  • Not a long-term solution: Payday loans should only be used in emergencies. They are not a sustainable solution to ongoing financial problems.

Interesting Facts and Statistics About Payday Loans in Delaware, Iowa

  • According to a study by the Pew Charitable Trusts, 12 million Americans use payday loans each year. The average borrower takes out eight loans per year, spending $520 on interest and fees.
  • In Iowa, there are more payday loan stores than McDonald’s and Starbucks locations combined.
  • According to a report by the Iowa Policy Project, payday lenders in Iowa typically charge an average APR of 273%.

Apply Now

If you’ve weighed the pros and cons and decided that a payday loan is right for you, TheGuaranteedLoans can help connect you with potential lenders. We are not a direct lender, but a connector service that can help you find a lender that meets your needs.

It’s important to remember that payday loans should be used in emergencies only and should be repaid as soon as possible to avoid high fees and interest rates. If you find yourself struggling to repay your loan, reach out to your lender immediately to discuss your options.

F.A.Q.

Can a payday loan lender in Delaware, Iowa charge a fee for a bounced check or declined automatic payment?

Yes, a payday loan lender in Delaware, Iowa can charge a fee for a bounced check or declined automatic payment. The exact fee will vary by lender, so it is important for borrowers to carefully read and understand their loan agreement before signing.

Can a borrower in Delaware, Iowa be charged a fee for extending or renewing a payday loan?

Yes, a borrower in Delaware, Iowa can be charged a fee for extending or renewing a payday loan. The exact fee will vary by lender, so it is important for borrowers to carefully read and understand their loan agreement before signing.