Payday Loans in Dow City, Iowa

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

Company nameAddressZip codePhone number
Payday Express 7020 Douglas Ave, Urbandale, IA 50322 +1 (515) 278 - 9696
Clear Lake Bank & Trust 100 E State St, Mason City, IA 50401 +1 (641) 423 - 2457
Duee's Pawn & Gun 2024 Center St, Cedar Falls, IA 50613 +1 (319) 266 - 7807
CBI Bank & Trust, Muscatine - Downtown Banking Center 301 Iowa Ave, Muscatine, IA 52761 +1 (563) 263 - 3131
First Iowa State Bank 19 Benton Ave E, Albia, IA 52531 +1 (641) 932 - 2144
Keokuk County Abstract Co 100 S Main St, Sigourney, IA 52591 +1 (641) 622 - 3321
Great Western Bank 1111 141st St, Perry, IA 50220 +1 (515) 465 - 3187
ACE Cash Express 3030 W Broadway Suite 4, Council Bluffs, IA 51501 +1 (712) 323 - 1852
Great Western Bank 655 Community Dr, North Liberty, IA 52317 +1 (319) 471 - 4570
DeWitt Bank & Trust Co. 815 6th Ave, DeWitt, IA 52742 +1 (563) 659 - 3211

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dow City, IA, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in West Des Moines, IA, Payday Loans in Ames, IA, 24-Hour Loan in Ankeny, IA, Payday Loan Without a Credit Check in Bettendorf, IA, Online Loans in Cedar Falls, IA, Payday Loan Companies in Cedar Rapids, IA, Bad Credit Loans in Council Bluffs, IA and Guaranteed Loans 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 Dow City, IA.

Beautiful sights of Dow City, IA

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

51528

Are Payday Loans Legal In Dow City, 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

Dow City, IA payday loan calculator

Payday Loans in Dow City, Iowa

For many people, unexpected expenses can arise at any time, putting them in a difficult financial situation. Payday loans in Dow City, Iowa, provide a quick and convenient solution for those who need financial assistance. In this article, we will discuss everything you need to know about payday loans in Dow City, Iowa.

What are Payday Loans?

Payday loans are short-term loans that are designed to help people cover unexpected expenses until their next paycheck arrives. These loans are usually due on the borrower’s next payday, which is where they get their name. The loan amount is typically small, ranging from $50 to $1,000, and the repayment period is typically two to four weeks.

Payday loans are a popular option for those who need quick cash and have few other options. The application process is simple and easy, and borrowers can receive the cash they need within hours of applying.

Are Payday Loans Legal in Iowa?

Yes, payday loans are legal in Iowa. The state has specific laws and regulations governing payday loans to protect consumers from predatory lending practices, including restrictions on loan amounts, fees, and interest rates.

According to Iowa law, payday loans are limited to $500, and lenders can only charge fees and interest up to a certain amount. The maximum loan term is 31 days, and borrowers can only take out one loan at a time.

How Do Payday Loans Work in Dow City, Iowa?

Applying for a payday loan in Dow City, Iowa is a simple and easy process. Here’s how it works:

  • Find a lender: There are many lenders offering payday loans in Dow City, Iowa. You can apply online or in-person at a local lender’s office.
  • Provide your information: You will need to provide your personal information, including your name, address, and employment details. You will also need to provide proof of income, such as a pay stub or bank statement.
  • Receive your funds: If approved, your funds will be deposited directly into your bank account, usually within a few hours or the next business day.
  • Repay your loan: On your next payday, the loan amount plus fees and interest will be automatically deducted from your bank account.

Pros and Cons of Payday Loans

Like any financial product, payday loans have both advantages and disadvantages. Here are some pros and cons to consider:

Pros:

  • Quick and easy application process
  • Available to people with bad credit
  • Funds can be used for any purpose
  • No collateral required

Cons:

  • High fees and interest rates
  • Short repayment period
  • Can lead to a cycle of debt if not repaid on time

Interesting Facts and Statistics About Payday Loans in Dow City, Iowa

  • According to a study by the Center for Financial Services Innovation, nearly 70% of payday loan borrowers use the funds for everyday expenses like rent and utilities.
  • The average payday loan borrower in Dow City, Iowa borrows $362 and pays $50 in fees and interest.
  • As of 2019, there were 220 licensed payday loan lenders in Iowa.
  • Iowa law requires lenders to disclose all fees and interest rates upfront, so borrowers know exactly how much they will owe before taking out a loan.

Apply Now

If you need financial assistance, TheGuaranteedLoans can help connect you with potential lenders offering payday loans in Dow City, Iowa. Our application process is fast, easy, and secure. Please keep in mind that we are a connector service, not a direct lender, and we do not guarantee loan approval.

Head to our website and fill out the application form to get started. Our team will review your application and connect you with potential lenders who may be able to help.

Disclaimer: TheGuaranteedLoans is not a lender and does not make lending decisions. We are a connector service that connects potential borrowers with pre-approved direct lenders. TheGuaranteedLoans does not charge any fees for our services. However, lenders may charge fees and interest rates in line with state and federal regulations.

F.A.Q.

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

Yes, a payday loan lender in Dow City, 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 Dow City, Iowa be charged a fee for extending or renewing a payday loan?

Yes, a borrower in Dow City, 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.