Payday Loans in Hanlontown, Iowa

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

Company nameAddressZip codePhone number
County Bank 500 N Highland St, Williamsburg, IA 52361 +1 (319) 668 - 2888
Wells Fargo Bank 1224 1st Ave, Perry, IA 50220 +1 (515) 465 - 7310
Iowa Heartland Credit Union 1602 S Monroe Ave, Mason City, IA 50401 +1 (641) 424 - 5391
First State Bank 413 East St, Lynnville, IA 50153 +1 (641) 527 - 2535
Advance America 3134 Manawa Center Dr Suite 4, Council Bluffs, IA 51501 +1 (712) 366 - 0744
Kerndt Brothers Bank - West Union 205 N Vine St, West Union, IA 52175 +1 (563) 422 - 6072
Walmart Money Center 103 E Carlisle St, Maquoketa, IA 52060 +1 (563) 652 - 6703
First State Bank 323 S Commercial Ave, Eagle Grove, IA 50533 +1 (515) 448 - 4567
Iowa State Bank 1101 Main St, Hull, IA 51239 +1 (712) 439 - 1025
Midwest Heritage 1025 Braden Ave, Chariton, IA 50049 +1 (641) 774 - 8581

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hanlontown, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Urbandale, IA, Payday Loan Without a Credit Check in Waterloo, IA, Payday Loans in West Des Moines, IA, Payday Loans in Ames, IA, Payday Loans in Ankeny, IA, Payday Loan Companies in Bettendorf, IA, Payday Loans in Cedar Falls, IA and Payday Loan Without a Credit Check in Cedar Rapids, 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 Hanlontown, IA.

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

50444

Are Payday Loans Legal In Hanlontown, 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

Hanlontown, IA payday loan calculator

Advise to read before applying

Understanding Payday Loans in Hanlontown, Iowa

If you’re in Hanlontown, Iowa, and in need of quick cash, then a payday loan might be one solution. A payday loan allows you to borrow a small amount of money and pay it back in full with interest on your next paycheck. However, before you decide on this type of loan, it’s essential to understand all the details.

How do Payday Loans Work?

Payday loans are designed to help people who need money to cover unexpected expenses, such as a medical emergency or a car repair. The borrower fills out an application with basic personal information, employment details, and banking information. They provide a postdated check or authorize an electronic withdrawal of funds from their bank account for the loan amount plus fees and interest.

The lender agrees to hold the check or electronic authorization until the borrower’s next payday. At that time, the borrower must have enough money in their bank account to cover the loan plus fees and interest. If they can’t repay the loan in full, they may be charged additional fees and interest or be forced to take out another loan and pay even more.

Are Payday Loans Legal in Hanlontown, Iowa?

Yes, payday loans are legal in Iowa, including Hanlontown. However, the state regulates the industry to protect consumers and prevent predatory lending practices. Iowa law sets a maximum annual percentage rate (APR) that lenders can charge on payday loans. It also limits the amount of fees that lenders can charge.

Pros and Cons of Payday Loans

Like any financial product, payday loans have both advantages and disadvantages. Here are some pros and cons to consider when deciding whether a payday loan is right for you.

Pros:

  • Quick access to cash
  • Easier qualification requirements than traditional loans
  • No collateral required

Cons:

  • High-interest rates and fees
  • Short repayment terms and the potential for rollover and repeat borrowing
  • Potential for debt trap if not used responsibly

Interesting Facts and Statistics About Payday Loans in Hanlontown, Iowa

– In 2020, there were over 200 payday loan storefronts in Iowa.
– The average payday loan amount in Iowa is $308.
– The maximum payday loan amount allowed in Iowa is $500.
– The maximum amount of fees that lenders can charge in Iowa is $15 for the first $100 of the loan and $10 for each additional $100.
– The maximum annual percentage rate (APR) that lenders can charge on payday loans in Iowa is 433%.

Apply Now with TheGuaranteedLoans

If you need a payday loan in Hanlontown, Iowa, TheGuaranteedLoans can help connect you with potential lenders. Please keep in mind that we are a connector service, not a direct lender. We work with a network of lenders who compete to offer you the best loan terms and rates. To apply, simply fill out our online application, and we’ll do the rest.

Remember to use payday loans responsibly and only when necessary. Paying them back on time and in full can help minimize the risks associated with these types of loans.

F.A.Q.

Are there any alternatives to payday loans in Hanlontown, Iowa?

Yes, there are alternatives to payday loans in Hanlontown, Iowa, such as small personal loans from banks or credit unions, or assistance from social service agencies.

Is there any regulation of payday loans in Hanlontown, Iowa?

Yes, payday lending is regulated by the Iowa Division of Banking, which sets maximum interest rates and fees, and requires lenders to disclose all terms and conditions of the loan to the borrower.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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