Payday Loans in Everly, Iowa

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

Company nameAddressZip codePhone number
Palmer Abstract, Inc. 19 1st Ave NW 102, Waukon, IA 52172 +1 (563) 568 - 3488
United Community Bank 1006 Okoboji View Ave, Okoboji, IA 51355 +1 (712) 332 - 7717
Great Western Bank 900 Illinois St, Sidney, IA 51652 +1 (712) 374 - 2655
Chelsea Savings Bank 601 13th St, Belle Plaine, IA 52208 +1 (319) 444 - 3144
Heartland Bank 200 E State St, Jefferson, IA 50129 +1 (515) 386 - 2642
Casey Martin - Raymond James 103 E State St, Mason City, IA 50401 +1 (641) 423 - 0801
Central Bank 1400 18th St, Spirit Lake, IA 51360 +1 (712) 336 - 4100
Cedar River Finance Co. 3900 River Ridge Dr NE B, Cedar Rapids, IA 52402 +1 (319) 362 - 2185
Federal Home Loan Bank of Des Moines 909 Locust St, Des Moines, IA 50309 +1 (800) 544 - 3452
Bank of the West 109 E 7th St, Carroll, IA 51401 +1 (712) 792 - 4397

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Everly, IA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Iowa City, IA, No Credit Check Loans in Marion, IA, Payday Loan Without a Credit Check in Sioux City, IA, 24-Hour Loan in Urbandale, IA, Emergency Loan in Waterloo, IA, Emergency Loan in West Des Moines, IA, Payday Loan for 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 Everly, IA.

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

51338

Are Payday Loans Legal In Everly, 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

Everly, IA payday loan calculator

Payday Loans in Everly, Iowa

Life is full of surprises, and sometimes we need extra cash to take care of unexpected expenses. Payday loans are a popular option for those in need of quick cash, especially in Everly, Iowa. In this article, we’ll explore the world of payday loans in Everly, including the regulations, benefits, and drawbacks of these loans.

What are Payday Loans?

A payday loan, also known as a cash advance loan, is a short-term loan that is typically repaid on the borrower’s next payday. These loans are usually for small amounts, ranging from $100 to $1000, and are designed to help with immediate financial needs.

The loan process is relatively simple. To apply, the borrower provides the lender with personal and financial information, and in return, the lender provides them with a loan. Typically, the loan is due on the borrower’s next payday, and the lender will withdraw the funds directly from the borrower’s checking account.

Are Payday Loans Legal in Iowa?

Yes, payday loans are legal in Iowa. However, there are regulations in place to protect borrowers from exploitative lending practices. The Iowa Division of Banking regulates payday lending in the state, and lenders must adhere to the following guidelines:

  • The maximum loan amount is $500
  • The maximum loan term is 31 days
  • The maximum interest rate is 15%
  • Lenders must be licensed with the state

It’s important to note that while payday loans are legal in Iowa, they are still a high-cost form of borrowing. Borrowers should only consider payday loans as a last resort and should make sure they can afford to repay the loan in full on their next payday.

The Benefits of Payday Loans in Everly, Iowa

Payday loans can be a lifeline for those dealing with financial emergencies. Some benefits of payday loans include:

  • Quick access to cash
  • No collateral is required
  • The application process is straightforward

Unlike other types of loans, payday loans are typically approved within hours, making them an ideal option for those in need of quick cash. Additionally, payday loans do not require collateral, so borrowers do not have to risk losing their assets if they default on their loan.

The Drawbacks of Payday Loans in Everly, Iowa

While there are benefits to payday loans, there are also drawbacks to consider, including:

  • High-interest rates
  • Short repayment terms
  • The risk of repeat borrowing

Payday loans come with high-interest rates that can add up quickly, making them an expensive option for borrowing money. Additionally, the short repayment terms mean that borrowers must repay the loan in full quickly, which can be difficult if they are already struggling financially. Finally, payday loans can lead to repeat borrowing if the borrower finds themselves unable to repay the loan, leading to a cycle of debt.

Interesting Facts and Statistics

Did you know that in Iowa, the average payday loan is around $300, and the average interest rate is 273%? According to the Iowa Division of Banking, the average Iowan takes out 11 payday loans per year, with an average total loan amount of $411.

Apply Now

If you’re in need of quick cash, TheGuaranteedLoans can help connect you with potential lenders who offer payday loans. Our application process is simple and straightforward, and we work with a network of trusted lenders to give you the best chance of approval. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we’ll work with you to find the right loan for your needs and budget. Click below to get started on your application today!

F.A.Q.

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

Yes, you can get a payday loan if you are self-employed in Everly, 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 Everly, Iowa?

Yes, there are protections for borrowers who take out payday loans in Everly, 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.