Payday Loans in Granger, Iowa

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

Company nameAddressZip codePhone number
River Valley Credit Union 1400 Fawcett Pkwy # F, Nevada, IA 50201 +1 (515) 382 - 4141
Check Into Cash 3158 Singing Hills Blvd, Sioux City, IA 51106 +1 (712) 276 - 7920
Western Union Hy-vee Food Store, 640 Lincoln Way, Ames, IA 50010 +1 (515) 232 - 1961
MBT Bank Downtown Clear Lake 300 1st Ave N, Clear Lake, IA 50428 +1 (641) 357 - 7074
F & M Bank 220 W Main St, Anamosa, IA 52205 +1 (319) 462 - 6878
Community Bank & Trust 210 W 4th St, Wilton, IA 52778 +1 (563) 732 - 2077
U.S. Bank ATM - Red Oak 323 E Reed St, Red Oak, IA 51566 +1 (800) 872 - 2657
Security Savings Bank 102 S Main St 7713, Dayton, IA 50530 +1 (515) 547 - 2274
Johnston Stannard Klesner 1927 Keokuk St, Iowa City, IA 52240 +1 (319) 354 - 1712
Quik Pawn 3700, 101 W Taylor St suite d, Creston, IA 50801 +1 (641) 782 - 9882

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Granger, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cedar Rapids, IA, Payday Loans in Council Bluffs, IA, Guaranteed Loans in Davenport, IA, Payday Loans in Des Moines, IA, Payday Loans in Dubuque, IA, 24-Hour Loan in Iowa City, IA, Payday Loan Companies in Marion, IA and Payday Loans in Sioux City, 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 Granger, IA.

Beautiful sights of Granger, IA

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

50109

Are Payday Loans Legal In Granger, 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

Granger, IA payday loan calculator

Understanding Payday Loans in Granger, Iowa

When it comes to addressing unexpected financial needs, payday loans can seem like an attractive solution. These short-term loans have helped many individuals cover unexpected bills and emergencies. In Granger, Iowa, payday loans are completely legal and regulated by state and federal law.

How Do Payday Loans Work?

Payday loans, also known as cash advances, are typically offered by lenders as small-dollar, short-term loans with high interest rates and fees. Borrowers typically repay the loan with their next paycheck, usually within a few weeks.

When applying for a payday loan in Granger, Iowa, you will need to provide the lender with some information, including your ID, Social Security number, proof of income, and bank account information. Loan amounts typically range from $100 to $500, though this varies by lender and by state law.

The Risks of Payday Loans

While payday loans can seem like an easy way to cover unexpected expenses, there are significant risks associated with these types of loans. The high interest rates and fees can make it difficult for borrowers to pay off the loan on time and can lead to a cycle of debt. In fact, according to the Consumer Financial Protection Bureau, more than 80 percent of payday loans are rolled over or renewed within two weeks, leading to additional fees and interest charges.

Additionally, some lenders may engage in predatory behavior, such as offering loans without fully disclosing the terms and conditions or failing to adequately check a borrower’s ability to repay the loan.

Interesting Facts and Statistics about Payday Loans in Granger, Iowa

  • From July 2018 to June 2019, there were over 230,000 payday loans issued in Iowa, with an average loan amount of $341.
  • The maximum loan amount in Iowa is $500.
  • Lenders in Iowa are prohibited from charging more than $15 in fees for every $100 borrowed, and the maximum annual percentage rate (APR) for a 14-day $100 loan is 391 percent.

Apply Now with TheGuaranteedLoans

If you find yourself in need of a payday loan in Granger, Iowa, TheGuaranteedLoans can help connect you with potential lenders. Keep in mind that we are a connector service and not a direct lender, and that we cannot guarantee approval for your loan.

To get started, simply fill out our online application with basic information such as your name, address, employment status, and desired loan amount. Our network of lenders will review your application and provide you with loan options if you qualify. If you choose to move forward with a loan, you will deal directly with the lender.

Remember, it’s important to carefully review the terms and conditions of any loan before signing on the dotted line. Make sure you understand the fees, interest rates, and repayment schedule before agreeing to a loan.

The Bottom Line

While payday loans can help you cover unexpected expenses in Granger, Iowa, they come with significant risks and should be used with caution. Make sure you fully understand the terms and conditions of any loan you apply for, and don’t hesitate to reach out to a financial advisor or credit counseling service if you need help managing your finances.

F.A.Q.

Can I have more than one payday loan at a time in Granger, Iowa?

Yes, you can have more than one payday loan at a time in Granger, Iowa. However, the total amount borrowed cannot exceed $500.

Can I be sued or have my wages garnished if I default on a payday loan in Granger, Iowa?

Yes, if you default on a payday loan in Granger, Iowa, the lender may take legal action against you, including suing you or garnishing your wages.