Payday Loans in Harcourt, Iowa

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

Company nameAddressZip codePhone number
Midstates Bank 300 Front St, Neola, IA 51559 +1 (712) 485 - 2245
Peoples Bank Milo 201 Main St, Milo, IA 50166 +1 (641) 942 - 6221
Community 1st Credit Union 1008 W Bell Ave 103 Suite 103, Knoxville, IA 50138 +1 (641) 828 - 6775
Advance America 1111 N Quincy Ave, Ottumwa, IA 52501 +1 (641) 684 - 0083
Check n Go 124 Collins Rd NE Ste E, Cedar Rapids, IA 52402 +1 (319) 373 - 8300
EZPAWN 1344 1st Ave NE, Cedar Rapids, IA 52402 +1 (319) 286 - 8108
Liptak Law Office Robert J. Liptak, Attorney, 1890 185th St, Fairfield, IA 52556 +1 (641) 209 - 6187
Hometown Cash Advance 1734 Washington St, Davenport, IA 52804 +1 (563) 323 - 2274
First Security 319 Main St E, Rockwell, IA 50469 +1 (641) 822 - 4828
State Central Bank 116 S Main St, Stockport, IA 52651 +1 (319) 796 - 4660

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Harcourt, IA

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

50544

Are Payday Loans Legal In Harcourt, 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

Harcourt, IA payday loan calculator

The Ins and Outs of Payday Loans in Harcourt, Iowa

If you find yourself in a bind between paychecks, payday loans can be a helpful option to consider. Payday loans offer a quick solution when you need cash fast, and they are legal in the state of Iowa. In this article, we will explore everything you need to know about payday loans in Harcourt, Iowa, so you can make an informed decision.

How Do Payday Loans Work?

Payday loans are small, short-term loans that are meant to be repaid on your next payday. To apply for a payday loan, you must provide proof of income and identification, and you must have a checking account. Once approved, you will receive the funds directly into your checking account.

When the loan becomes due, the lender will automatically withdraw the loan amount plus fees from your checking account. If you cannot repay the loan in full, some lenders offer the option to renew or rollover your loan for an additional fee.

The Pros and Cons of Payday Loans in Harcourt, Iowa

Like any financial decision you make, it’s important to carefully weigh the pros and cons of taking out a payday loan. Here are some things to consider:

Pros:

  • Payday loans are easily accessible and can be approved quickly.
  • You don’t need good credit to qualify for a payday loan.
  • Payday loans can help you avoid overdraft fees and other late payment charges.

Cons:

  • Payday loans can have high-interest rates and fees, which can make them expensive.
  • Renewing or rolling over your loan can lead to a cycle of debt.
  • If you default on your loan, the lender can garnish your wages or take legal action against you.

It’s important to carefully consider your financial situation and budget before taking out a payday loan in Harcourt, Iowa. Make sure you understand the terms of the loan and how much you will be expected to pay back.

Interesting Facts About Payday Loans in Harcourt, Iowa

Did you know that Iowa has some of the strictest payday lending laws in the United States? In fact, Iowa law caps the interest rate on payday loans at 15%, making them a more affordable option for consumers. Additionally, Iowa law prohibits lenders from charging fees that exceed a loan’s principal amount.

Apply Now

If you’re considering a payday loan in Harcourt, Iowa, TheGuaranteedLoans can help. We are a connector service, which means we can connect you with potential lenders who can offer you a loan. Simply fill out our online application form to get started.

Remember, taking out a payday loan is a serious financial decision. Make sure you understand the terms of the loan and how it will impact your finances before signing on the dotted line.

F.A.Q.

Are there any restrictions on the number of payday loans a borrower can take out in Harcourt, Iowa?

Yes, in Harcourt, Iowa, a borrower is limited to taking out a maximum of two payday loans at any given time.

Can a lender require a borrower to provide collateral for a payday loan in Harcourt, Iowa?

No, a lender cannot require a borrower to provide collateral for a payday loan in Harcourt, Iowa. Payday loans are unsecured loans, which means they do not require collateral.