Payday Loans in Douds, Iowa

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

Company nameAddressZip codePhone number
Great Western Bank 1030 Broad St, Grinnell, IA 50112 +1 (641) 236 - 7544
Lincoln Savings Bank 111 E Traer St, Greene, IA 50636 +1 (641) 823 - 4132
Walmart Money Center 103 E Carlisle St, Maquoketa, IA 52060 +1 (563) 652 - 6703
South Ottumwa Savings Bank 101 Main St, Hedrick, IA 52563 +1 (641) 653 - 4422
Commercial Financial Corporation 600 Lake Ave N, Storm Lake, IA 50588 +1 (712) 732 - 2190
EZ Money Check Cashing 1824 W Broadway, Council Bluffs, IA 51501 +1 (712) 256 - 0400
Thrivent Financial-Lutherans 1858 340th St, Forest City, IA 50436 +1 (641) 585 - 4918
Creative Planning, Inc 2728 Asbury Rd, Dubuque, IA 52001 +1 (866) 909 - 5148
Casebine Community Credit Union 4502 Avenue O 18, Fort Madison, IA 52627 +1 (800) 242 - 3476
Community Savings Bank 1211 12th Ave SE 103, Dyersville, IA 52040 +1 (563) 875 - 6296

Payday Loan Companies in Nearby Cities

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

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

52551

Are Payday Loans Legal In Douds, 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

Douds, IA payday loan calculator

Advise to read before applying

Welcome to our comprehensive guide on payday loans in Douds, Iowa. If you’re considering taking out a payday loan to cover an unexpected expense or financial emergency, you’ve come to the right place. In this article, we’ll cover everything you need to know about payday loans in Douds, Iowa, from the basics of how they work to the legal requirements for lenders and borrowers.

What Are Payday Loans?

Payday loans are a type of loan designed to help people who need access to cash quickly and easily. They’re often used to cover unexpected expenses, like car repairs or medical bills, or to tide people over until their next paycheck arrives. Payday loans are typically meant to be short-term loans, with most borrowers paying back the full amount plus interest within a few weeks.

Payday loans can be convenient because they’re relatively easy to get, with few requirements beyond a regular source of income and an active bank account. However, they can also come with high fees and interest rates. Plus, if borrowers aren’t able to pay back the loan on time, they can end up in a cycle of debt that’s difficult to break.

Payday Loans in Douds, Iowa

If you’re considering taking out a payday loan in Douds, Iowa, it’s important to understand the laws and regulations surrounding these loans in the state. Payday lending is legal in Iowa, but there are strict regulations in place to protect borrowers from predatory lending practices.

Laws and Regulations

In Iowa, payday lenders are required to be licensed and regulated by the Iowa Division of Banking. This means that lenders must follow certain rules and regulations when it comes to loan terms, fees, and interest rates.

Iowa law limits the amount a borrower can take out in payday loans to $500. Lenders are also required to disclose all fees and interest rates up front, and they can’t charge more than $15 in fees for every $100 borrowed. In addition, the term of a payday loan in Iowa is limited to 31 days.

If borrowers aren’t able to repay their loan on time, lenders may offer them a repayment plan with no additional fees or interest. However, lenders are not allowed to rollover or refinance a loan, which can lead to a cycle of debt.

How to Apply for a Payday Loan in Douds, Iowa

If you’re interested in taking out a payday loan in Douds, Iowa, the process is relatively simple. Most lenders have online applications that can be filled out in a matter of minutes. Borrowers will typically need to provide their name, address, social security number, and details about their income and employment.

Once a borrower is approved for a loan, the lender will deposit the funds directly into their bank account. Repayment is also usually done automatically, with the lender withdrawing the loan amount plus fees and interest from the borrower’s bank account on the due date.

Facts and Statistics about Payday Loans in Douds, Iowa

  • Approximately 180,000 payday loans were taken out in Iowa in 2019
  • The average payday loan amount in Iowa is $341
  • Payday lending generates over $37 million in fees and interest in Iowa annually
  • In 2019, the average interest rate on a payday loan in Iowa was 268%

Apply Now through TheGuaranteedLoans

Now that you know more about payday loans in Douds, Iowa, you may be ready to apply for a loan. If so, TheGuaranteedLoans can help connect you with potential lenders who can provide you with the funds you need quickly and easily.

It’s important to note that TheGuaranteedLoans is a connector service, not a direct lender. This means that we don’t provide loans ourselves, but rather facilitate connections between borrowers and lenders. If you’re interested in applying for a payday loan through TheGuaranteedLoans, simply fill out our online application form to get started. We’ll match you with lenders who may be able to provide you with the funds you need, depending on your specific financial situation and credit history.

We hope this guide has been helpful in providing you with the information you need to make informed decisions about payday loans. Remember to always read the terms and conditions of any loan carefully before signing on the dotted line.

F.A.Q.

Can a payday loan lender in Douds, Iowa charge a penalty for early repayment of the loan?

No, a payday loan lender in Douds, Iowa cannot charge a penalty for early repayment of the loan. In fact, borrowers are encouraged to pay off their loans as soon as possible to avoid high interest charges.

Is there a minimum loan term for payday loans in Douds, Iowa?

Yes, the minimum loan term for payday loans in Douds, Iowa is 14 days. However, lenders can offer longer loan terms if they choose to do so.

Look for Short-Term Loans in Other Cities:

Ames Ankeny Bettendorf Cedar Falls Cedar Rapids Council Bluffs Davenport Des Moines Dubuque Iowa City Marion Ottumwa Sioux City Urbandale Waterloo West Des Moines
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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