Payday Loans in Garden City, Iowa

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

Company nameAddressZip codePhone number
United Bank of Iowa 408 US-30, Dunlap, IA 51529 +1 (712) 643 - 1114
First State Bank 183 Main Ave N, Britt, IA 50423 +1 (641) 843 - 4411
Check Into Cash 2325 Cumberland Square Drive, Bettendorf, IA 52722 +1 (563) 355 - 6930
Farmers Savings Bank 3131 Sunnyside Ave, Burlington, IA 52601 +1 (319) 752 - 6200
U.S. Bank ATM 112 W 2nd St S, Newton, IA 50208 +1 (800) 872 - 2657
Century Bank 116 S Blossom St, Shenandoah, IA 51601 +1 (712) 246 - 2205
Western Union 62 5th St, Woodbine, IA 51579 +1 (800) 325 - 6000
Advance America 2720 West Locust St. Unit B-6, Davenport, IA 52804 +1 (563) 386 - 9505
American State Bank 208 E 10th St, Alton, IA 51003 +1 (712) 756 - 4125
Farmers State Bank 1710 W 1st St, Cedar Falls, IA 50613 +1 (319) 287 - 3961

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Garden City, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Des Moines, IA, Payday Loans in Dubuque, IA, Payday Loans in Iowa City, IA, Online Loans in Marion, IA, Payday Loans in Sioux City, IA, Payday Loan for Urbandale, IA, Quick Loan in Waterloo, IA and 24-Hour Loan in West Des Moines, 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 Garden City, IA.

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

50102

Are Payday Loans Legal In Garden 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

Garden City, IA payday loan calculator

Payday Loans in Garden City, Iowa: What You Need to Know

Payday loans are a popular option for those who need to borrow a small amount of money quickly. For residents of Garden City, Iowa, this is no exception. However, understanding the laws and regulations surrounding payday loans in Iowa is important before taking out these loans. In this guide, we’ll explore what Garden City residents need to know about payday loans.

What are Payday Loans?

Payday loans are short-term loans that typically range from $100 to $500 and are meant to be repaid on the borrower’s next payday, which is usually two to four weeks later. These loans are intended to provide quick cash to those who need it for expenses such as emergency car repairs or medical bills.

Payday Loan Regulations in Iowa

Payday loans are legal in Iowa, but there are certain regulations in place to protect borrowers. For example, the maximum loan amount in Iowa is $500, and borrowers are only allowed to have one loan at a time. The maximum fee on a $100 loan for 14 days is $16.67, and the APR for a 14-day $100 loan is 433%, which is lower than other states.

In addition, lenders in Iowa must be licensed and are required to provide borrowers with a written agreement that outlines the terms and conditions of the loan, including the APR, fees, and repayment terms. Borrowers must also provide proof of income and identification, and lenders are required to verify this information before approving a loan.

Pros and Cons of Payday Loans

Like any financial product, payday loans have their pros and cons. Some of the advantages of payday loans include:

  • Quick access to cash
  • No credit check required
  • Easy application process

However, payday loans also have some drawbacks, such as:

  • High interest rates and fees
  • Short repayment terms
  • Potential for a cycle of debt

Interesting Facts and Statistics

Did you know that Iowa has some of the lowest payday loan rates in the country? According to the National Conference of State Legislatures, the average APR for a payday loan in Iowa is 289%, which is significantly lower than other states such as Texas (661%) and Ohio (677%).

Apply Now

If you’re in need of a payday loan in Garden City, Iowa, TheGuaranteedLoans can help. As a connector service, we can connect you with potential lenders who may be able to offer you a loan. Fill out our easy online application today and receive a decision in minutes. Remember, payday loans are legal in Iowa, but it’s important to understand the laws and regulations surrounding these loans before taking one out.

Disclaimer

TheGuaranteedLoans is a connector service and not a direct lender. We do not make credit decisions, nor do we endorse any particular lender. We simply connect borrowers with potential lenders who may be able to offer them a loan. By submitting an application through our website, you agree to allow us to share your information with lenders in our network.

F.A.Q.

Are there any restrictions on the types of fees that a payday loan lender in Garden City, Iowa can charge?

Yes, there are restrictions on the types of fees that a payday loan lender in Garden City, Iowa can charge. The lender cannot charge fees that are considered excessive or unfair, such as fees for credit insurance or other types of add-on products.

Can a payday loan lender in Garden City, Iowa report a borrower's delinquent loan to a credit bureau?

Yes, a payday loan lender in Garden City, Iowa can report a borrower's delinquent loan to a credit bureau. This can negatively impact the borrower's credit score and make it more difficult to obtain credit in the future. It is important for borrowers to make timely payments on their payday loans to avoid this outcome.