Payday Loans in Deloit, Iowa

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

Company nameAddressZip codePhone number
State Central Bank Trust Services 511 Blondeau St Ste 2, Keokuk, IA 52632 +1 (319) 526 - 3862
Allied Pawn Loans & Jewelry Pawn Shop Dubuque Iowa Buy & Sell Gold, Silver, Diamonds, Jewelry, Coins, Bullion, Watches, Guitars, Handbags, Tools, Electronics, Sports Equipment 2013 Central Ave 900, Dubuque, IA 52001 +1 (563) 583 - 5187
TIAA Financial Services 941 E 2nd Ave Suite 201, Coralville, IA 52241 +1 (866) 842 - 2977
Walmart Money Center 510 Ave C, Denison, IA 51442
LPI Loans 4201 Glass Rd NE, Cedar Rapids, IA 52402 +1 (319) 393 - 0700
Walmart Money Center 300 N Park Dr, Keokuk, IA 52632 +1 (319) 524 - 6941
Pocahontas Title Company LLC 311 N Main St, Pocahontas, IA 50574 +1 (712) 335 - 4800
PCSB Bank 501 W Taylor St, Creston, IA 50801 +1 (641) 782 - 8482
DigitalMint Bitcoin ATM Teller Window 700 La Porte Rd, Waterloo, IA 50702 +1 (855) 274 - 2900
Pawn Shop 509 8th St, Sioux City, IA 51101 +1 (712) 233 - 2772

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Deloit, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Dubuque, IA, Payday Loans in Iowa City, IA, Short-term Loans in Marion, IA, Payday Loans in Sioux City, IA, Quick Loan in Urbandale, IA, No Credit Check Loans in Waterloo, IA, 24-Hour Loan in West Des Moines, IA and Payday Loans in Ames, 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 Deloit, IA.

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

51441

Are Payday Loans Legal In Deloit, 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

Deloit, IA payday loan calculator

Payday Loans in Deloit, Iowa – What You Need to Know

Payday loans are an easily accessible source of short-term credit for those facing unexpected expenses or financial emergencies. They can be a useful tool for bridging a financial gap between paychecks or when dealing with unexpected bills. In the state of Iowa, payday loans are legal, which means that Deloit residents have access to payday loans when they need them.

How do payday loans work?

Payday loans allow borrowers to access funds quickly and easily, typically without the need for a credit check or collateral. Borrowers write a post-dated check or provide the lender with access to their bank account, allowing the lender to withdraw the loan amount plus fees and interest on the borrower’s next payday. Loan terms usually range from 14 to 30 days, although some lenders may offer longer terms.

The amount borrowers can request varies depending on the lender, but typically falls between $100 and $1,000. Lenders usually charge a fee of $15 to $30 for every $100 borrowed, which can add up quickly over the course of a loan term.

What are the risks associated with payday loans?

While payday loans can be a valuable source of credit in times of need, they also come with risks that borrowers should be aware of. Due to the high interest rates and fees associated with payday loans, borrowers can easily become trapped in a cycle of debt, borrowing from one payday lender to pay off another. Additionally, some lenders use aggressive collection tactics or may resort to illegal actions, such as threatening arrest, to collect on outstanding debts.

It is important for borrowers to carefully consider their need for a payday loan and ensure they will be able to repay the loan on time to avoid falling deeper into debt. Borrowers can protect themselves by borrowing only what they need, carefully reviewing the terms and conditions of the loan, and working with reputable lenders who are transparent about their fees and charges.

Interesting facts and statistics about payday loans in Deloit, Iowa

  • As of 2021, Iowa law limits payday loans to a maximum of $500.
  • According to the Iowa Division of Banking, there were 146 licensed payday lenders in Iowa in 2020.
  • The average APR of a payday loan in Iowa in 2019 was 283%.
  • Over 80% of payday loans in Iowa are rolled over or renewed, meaning borrowers take out a new loan to pay off the original loan and fees, according to a 2019 report by the Iowa Policy Project.

Apply Now

If you are in need of a payday loan in Deloit, Iowa, TheGuaranteedLoans is here to help. We are a connector service, not a direct lender, and we work with a network of reputable lenders to help you find the loan you need. Our online application is quick and easy to complete, and we will work to connect you with lenders who offer competitive rates and fair terms.

Remember, payday loans should be used responsibly and only when necessary. If you are struggling with debt or financial hardship, there are resources available to help, including credit counseling, debt management programs, and other financial assistance programs.

Take control of your finances and apply for a payday loan with TheGuaranteedLoans today.

F.A.Q.

What are the consequences of taking out multiple payday loans in Deloit, Iowa?

Taking out multiple payday loans in Deloit, Iowa can be financially risky and lead to a cycle of debt. If you are unable to repay your loans on time, the fees and interest can quickly add up, making it difficult to break the cycle.

Can I be sued for not paying back a payday loan in Deloit, Iowa?

Yes, you can be sued for not paying back a payday loan in Deloit, Iowa. If you default on your loan, the lender may file a lawsuit against you to recover the outstanding debt.