Payday Loans in Delta, Iowa

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

Company nameAddressZip codePhone number
Iowa State Bank 105 Albany Ave SE, Orange City, IA 51041 +1 (712) 737 - 4818
FreedomBank 106 S Main St, Monona, IA 52159 +1 (563) 539 - 2015
United Bank & Trust 2101 S Center St, Marshalltown, IA 50158 +1 (641) 753 - 5900
Lee County Bank 801 Ave F, Fort Madison, IA 52627 +1 (319) 372 - 2243
Community Savings Bank 101 E Union St, Edgewood, IA 52042 +1 (563) 928 - 6425
Check `n Go 1314 4th St SW #201, Mason City, IA 50401 +1 (641) 423 - 1336
Hometown Cash Advance 2458 Camanche Ave Ste 12, Clinton, IA 52732 +1 (563) 243 - 4795
Farmers Trust & Savings Bank 1901 Chatburn Ave, Harlan, IA 51537 +1 (712) 235 - 2000
United Bank of Iowa 1609 Hawkeye Dr, Boone, IA 50036 +1 (515) 432 - 2028
Two River Investment Services 214 N Main St, Burlington, IA 52601 +1 (319) 758 - 8438

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Delta, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Ankeny, IA, Payday Loans in Bettendorf, IA, Bad Credit Loans in Cedar Falls, IA, Payday Loan for Cedar Rapids, IA, Same Day Loans in Council Bluffs, IA, Payday Loans in Davenport, IA, Quick Loan in Des Moines, IA and Short-term Loans 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 Delta, IA.

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

52550

Are Payday Loans Legal In Delta, 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

Delta, IA payday loan calculator

Payday Loans in Delta, Iowa: All You Need to Know

When you find yourself in a financial bind, sometimes it can be difficult to know where to turn. Many Americans turn to payday loans as a solution, but what exactly are they and are they a good option for you? Let’s take a closer look at payday loans in Delta, Iowa.

What are Payday Loans?

Payday loans are small, short-term loans typically used to cover unexpected expenses or bridge the gap between paychecks. They are usually due to be repaid in full, including fees and interest, when the borrower receives their next paycheck. Payday loans in Delta, Iowa, are legal under state law, but there are certain regulations lenders must follow.

How do they work?

In Delta, a borrower can typically apply for a payday loan online or in-person at a storefront location. They will need to provide proof of income, identification, and a checking account number to receive the loan. The lender will determine if the borrower is eligible for the loan and the amount for which they qualify. Once approved, the loan funds are deposited into the borrower’s checking account.

When it’s time to repay the loan, the lender will automatically withdraw the principal, fees, and interest from the borrower’s checking account on the due date. If the borrower cannot repay the loan in full, they may be able to rollover the loan by paying an additional fee. However, this can result in a cycle of debt and is not recommended.

The Benefits of Payday Loans

  • Quick access to funds
  • No credit check required
  • Can be less expensive than overdraft fees or late payment charges

The Risks of Payday Loans

  • High-interest rates and fees, potentially resulting in a cycle of debt
  • If not repaid, may negatively impact credit score and result in collection efforts
  • Unscrupulous lenders may use predatory lending practices

What are the Regulations in Iowa?

In Iowa, payday lenders must be licensed and follow certain regulations. The maximum loan amount is $500, and the maximum fee is $15 for the first $100 borrowed and $10 for each additional $100 borrowed. The loan term cannot exceed 31 days. Lenders are also required to provide borrowers with a written agreement containing all terms and fees.

Interesting Facts and Statistics About Payday Loans in Delta, Iowa

  • The average payday loan in Iowa is $341.
  • Approximately 14% of Iowans have used a payday loan in the past five years.
  • Iowa was one of the first states to enact payday lending regulations in 2000.
  • Payday loan storefront locations outnumber McDonald’s and Starbucks locations combined in Iowa.

Apply Now

If you’re considering a payday loan, it’s important to weigh your options and make an informed decision. TheGuaranteedLoans can help connect you with potential lenders in Delta, Iowa. Keep in mind that we are a connector service, not a direct lender, and we only work with reputable lenders who follow state and federal regulations. Apply now to see if you qualify for a payday loan.

Disclaimer: Loans involve a level of financial risk and may not be suitable for everyone. Please review all terms and fees before accepting a loan. TheGuaranteedLoans is not responsible for any actions or inactions of the lenders we work with. Borrow responsibly.

F.A.Q.

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

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

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