Payday Loans in Ferguson, Iowa

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

Company nameAddressZip codePhone number
Great Western Bank 401 2nd St, Gladbrook, IA 50635 +1 (641) 473 - 2023
Wells Fargo Bank 1224 1st Ave, Perry, IA 50220 +1 (515) 465 - 7310
Nancy's Pawn Shop 509 E Main St, Ottumwa, IA 52501 +1 (641) 682 - 8661
Vibrant Credit Union - Clinton Branch 1330 N 2nd St, Clinton, IA 52732 +1 (563) 244 - 6506
Commercial Financial Corporation 600 Lake Ave N, Storm Lake, IA 50588 +1 (712) 732 - 2190
Advance America 1713 Hamilton Blvd, Sioux City, IA 51103 +1 (712) 234 - 1864
GreenState Credit Union 585 W Penn St, North Liberty, IA 52317 +1 (800) 397 - 3790
MoneyGram 405 E Main St, Anamosa, IA 52205 +1 (319) 462 - 6118
Telco Triad Community Credit Union 11 N 7th St, Denison, IA 51442 +1 (712) 263 - 8100
Hometown Cash Advance 219 Edgewood Rd NW, Cedar Rapids, IA 52405 +1 (319) 390 - 5300

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ferguson, IA, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in West Des Moines, IA, Payday Loans in Ames, IA, No Credit Check Loans in Ankeny, IA, Bad Credit Loans in Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loans in Cedar Rapids, IA, Online Loans in Council Bluffs, IA and Payday 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 Ferguson, IA.

Beautiful sights of Ferguson, IA

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

50078

Are Payday Loans Legal In Ferguson, 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

Ferguson, IA payday loan calculator

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

If you live in Ferguson, Iowa, and are in need of quick cash to cover unexpected expenses, you may be considering a payday loan. Payday loans are a type of short-term loan that can provide immediate cash to borrowers in exchange for repayment on their next payday. While these loans can be a useful tool for managing unexpected expenses, they can also come with risks and disadvantages that borrowers should know about before taking out a loan.

How Payday Loans Work in Ferguson, Iowa

In Iowa, payday loans are legal, but there are limits on how much borrowers can borrow and how much interest lenders can charge. According to Iowa law, borrowers can borrow up to $500 and lenders can charge a maximum interest rate of 15% on the first $100 borrowed, 10% on the amount between $101 and $200, and 5% on amounts between $201 and $500.

When a borrower applies for a payday loan, they typically provide proof of income and a post-dated check for the loan amount plus interest. If the borrower’s application is approved, they receive their cash and the lender holds onto the borrower’s check until the loan is due. On the borrower’s next payday, the lender will deposit the check to repay the loan.

The Pros and Cons of Payday Loans in Ferguson, Iowa

Pros

  • Payday loans can provide fast cash to cover unexpected expenses.
  • Borrowers with poor credit may be able to qualify for a payday loan.
  • Payday loans are easy to apply for and require minimal documentation.

Cons

  • Payday loans can come with high interest rates and fees.
  • Defaulting on a payday loan can result in additional fees and damage to the borrower’s credit score.
  • Payday loans can create a cycle of debt if borrowers are unable to repay the loan on time.

It’s important for borrowers to carefully consider the risks and benefits of payday loans before applying for one. In some cases, there may be alternative options available, such as personal loans or credit cards, that have lower interest rates and fees.

Interesting Facts and Statistics About Payday Loans in Ferguson, Iowa

  • In 2019, Iowa borrowers took out an average of 232,000 payday loans with an average loan amount of $321.
  • The average interest rate on a payday loan in Iowa is 273%.
  • Over 1 in 10 Iowans live below the poverty line, which can make them more vulnerable to financial hardship and the need for short-term loans.

Apply Now for a Payday Loan in Ferguson, Iowa

If you’ve decided that a payday loan is right for you, TheGuaranteedLoans website can help you connect with potential lenders who can provide the funds you need. Our online application process is fast and easy, and we’ll work with you to find a lender who can meet your needs. Please note that TheGuaranteedLoans is not a direct lender, but we strive to make the lending process as simple and stress-free as possible for our users.

Don’t let unexpected expenses leave you in a financial bind – apply for a payday loan through TheGuaranteedLoans today and get the cash you need to stay on top of your finances.

F.A.Q.

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

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

Yes, a borrower in Ferguson, 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.