Payday Loans in Dundee, Iowa

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

Company nameAddressZip codePhone number
Hometown Cash Advance 606 S Federal Ave Suite 1, Mason City, IA 50401 +1 (641) 424 - 2222
Advance America 3814 70th St, Urbandale, IA 50322 +1 (515) 253 - 0900
Marion County Bank 800 Main St, Pella, IA 50219 +1 (641) 628 - 2191
State Bank of Bussey 201 Cornerstone Dr, Oskaloosa, IA 52577 +1 (641) 672 - 9863
Bank Iowa - Clarinda Drive-up 101 W Washington St, Clarinda, IA 51632 +1 (712) 542 - 2121
Walmart Money Center 1940 Venture Dr, Ottumwa, IA 52501
First Security 201 W Main Ave, Rockford, IA 50468 +1 (641) 756 - 3361
TruBank 302 S Market St, Oskaloosa, IA 52577 +1 (641) 673 - 8405
Fidelity Bank & Trust 509 Lynn St, Tipton, IA 52772 +1 (563) 886 - 6155
Citizens First Bank 1329 N 2nd St, Clinton, IA 52732 +1 (563) 243 - 6000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dundee, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Iowa City, IA, Payday Loan Companies in Marion, IA, Payday Loans in Sioux City, IA, Payday Loans in Urbandale, IA, Payday Loan Companies in Waterloo, IA, Quick Loan in West Des Moines, IA, Emergency Loan in Ames, IA and Payday Loans in Ankeny, 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 Dundee, IA.

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

52038

Are Payday Loans Legal In Dundee, 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

Dundee, IA payday loan calculator

Payday Loans in Dundee, Iowa: Everything You Need to Know

Payday loans, also known as paycheck advances, are a type of short-term loan that can help bridge the gap between paychecks when financial issues arise. These loans can be beneficial for those who need quick cash to cover unexpected expenses. However, it is essential to understand their terms and conditions before signing up. In this article, we’ll discuss everything you need to know about payday loans in Dundee, Iowa.

What are Payday Loans?

A payday loan is a short-term loan that is designed to help people cover unexpected expenses. Typically, borrowers must repay the loan on their next payday or within a short period. The loan amount, interest rates, and repayment terms vary depending on the lender and the borrower’s creditworthiness. Payday loans are a popular option for people who need quick cash but do not have access to traditional bank loans due to poor credit scores or insufficient income.

Legal Status of Payday Loans in Iowa

Payday loans are legal in Iowa, and borrowers can take out a maximum of $500 at a time. The loan term cannot be longer than 31 days, and lenders can charge a maximum of $15 in finance charges for every $100 borrowed. In addition, the Annual Percentage Rate (APR) for a payday loan in Iowa cannot exceed 433%. Borrowers can also request a repayment plan if they are unable to repay the loan on time. This plan allows them to repay the loan in installments over a period of 90 days.

How to Apply for a Payday Loan in Dundee, Iowa

Applying for a payday loan in Dundee, Iowa, is a straightforward process. First, you should find a lender who offers payday loans in your area. Once you have identified a suitable lender, you should visit their website and fill out an online application form. You will need to provide your personal information, such as your name, address, employment details, and banking information. The lender will use this information to verify your identity and income status.

Once the lender has reviewed your application, they will notify you of their decision. If approved, they will deposit the loan amount directly into your bank account within a few business days. You can use the loan amount to cover your immediate expenses, but it’s essential to remember that payday loans come with high-interest rates and fees.

Pros and Cons of Payday Loans

Pros:

  • Quick and easy application process.
  • Can be helpful for people with poor credit scores or insufficient income.
  • Allows borrowers to cover unexpected expenses.
  • Repayment plans available.

Cons:

  • High-interest rates and fees.
  • Cycles of debt trap if used consistently.
  • Potentially harmful if not paid back.
  • Not a long-term financial solution.

Interesting Facts and Statistics About Payday Loans in Dundee, Iowa

  • Iowa is one of the 27 states that allow payday lending.
  • Payday lenders in Iowa collected more than $37 million in fees in 2016.
  • In 2020, the average payday loan amount in Iowa was $345.
  • The average APR for a payday loan in Iowa is 326%.

Apply Now

If you need quick cash to cover your unexpected expenses in Dundee, Iowa, TheGuaranteedLoans can help. We connect borrowers with potential lenders who offer payday loans that meet their needs. Fill out our online application form today, and we’ll help you find the best solution for your financial situation.

Please note that we are a connector service and not a direct lender. We only facilitate your connection with potential lenders who are willing to lend you the money you need. It’s important to read and understand the lender’s terms and conditions before signing any loan agreement.

In conclusion, payday loans can be a helpful short-term solution for those who need quick cash to cover unexpected expenses. However, borrowers should carefully consider the terms and conditions of the loan and their repayment plan before signing up.

F.A.Q.

Can I get a payday loan if I am self-employed in Dundee, Iowa?

Yes, you can get a payday loan if you are self-employed in Dundee, Iowa. You will need to provide proof of income, such as bank statements or tax returns, to qualify for a loan.

Are there any protections for borrowers who take out payday loans in Dundee, Iowa?

Yes, there are protections for borrowers who take out payday loans in Dundee, Iowa. The state government regulates the fees and interest rates that lenders can charge, and requires lenders to provide written disclosure of the terms and conditions of the loan.