Payday Loans in Hardy, Iowa

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

Company nameAddressZip codePhone number
United Bank of Iowa 201 N Center St, Lake City, IA 51449 +1 (712) 464 - 3181
MidWestOne Bank 1001 IA-57, Parkersburg, IA 50665 +1 (319) 346 - 1645
Iowa State Bank 105 Albany Ave SE, Orange City, IA 51041 +1 (712) 737 - 4818
First Federal Credit Union 901 11th St SW 27, Spencer, IA 51301 +1 (712) 264 - 3377
First Heritage Bank 801 S Fremont St, Shenandoah, IA 51601 +1 (712) 246 - 5118
Advance America 110 N 25th St, Fort Dodge, IA 50501 +1 (515) 576 - 2155
Consumer Credit Counseling Services 102 N 4th St, Forest City, IA 50436 +1 (641) 421 - 7619
State Central Bank Trust Services 511 Blondeau St Ste 2, Keokuk, IA 52632 +1 (319) 526 - 3862
First State Bank 600 Park St, Stanhope, IA 50246 +1 (515) 826 - 3222
Fidelity Bank & Trust 18298 IA-64, Maquoketa, IA 52060 +1 (563) 652 - 6660

Payday Loan Companies in Nearby Cities

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

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

50545

Are Payday Loans Legal In Hardy, 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

Hardy, IA payday loan calculator

Payday Loans in Hardy, Iowa

Are you facing a financial crisis and looking for a quick way to get cash? Payday loans can be a solution for you. These loans are a type of short-term borrowing that allows you to take out a small sum of money to bridge the gap until your next paycheck.

How do Payday Loans work in Hardy, Iowa?

Payday loans are legal in Iowa, including Hardy. The rules governing these loans are set out in the Iowa Code Ann. § 533D.1 et seq. The maximum amount you can borrow is $500, and the loan term can be up to 31 days. One advantage of payday loans is that they don’t require a credit check, which means even individuals with poor credit scores can qualify for a loan.

When applying for a payday loan in Hardy, Iowa, you’ll need to provide some basic information. This typically includes your name, address, proof of income, and bank account details. Once you’ve submitted your application, you’ll receive a decision within minutes. If approved, the funds will be deposited into your account within one business day.

What are the Benefits of Payday Loans?

  • Quick access to funds: You can usually get the money you need within one business day.
  • No credit check: You don’t need a good credit score to qualify for a payday loan.
  • Easy application process: You don’t need to provide a lot of paperwork to apply for a payday loan.
  • Flexible repayment terms: You can repay the loan on your next payday, or you can choose to roll over the loan and pay it back in installments.

What are the Risks of Payday Loans?

While payday loans can be a useful tool for dealing with short-term financial emergencies, they do come with some risks. Here are some things to be aware of:

  • High interest rates: Payday loans can have interest rates as high as 400%, which can trap borrowers in a cycle of debt.
  • Fees: Payday loans often come with fees that can add up quickly.
  • Short repayment terms: The short repayment terms of payday loans can make it difficult for borrowers to pay back the loan on time.
  • Loan rollover: If you can’t pay back the loan on time, you may be tempted to roll over the loan, which can lead to additional fees and interest charges.

Interesting Facts about Payday Loans in Hardy, Iowa

  • Payday loans are regulated by the Iowa Division of Banking.
  • In 2019, there were 68 licensed payday loan companies in Iowa.
  • In 2018, the average payday loan in Iowa was $311, and the average APR was 295%.
  • In the same year, over 200,000 payday loans were issued in Iowa, with a total value of $251 million.

Apply Now

If you’re considering a payday loan in Hardy, Iowa, TheGuaranteedLoans can help. As a lender connection service, we can connect you with potential lenders who can meet your borrowing needs. Simply fill out our online application form, and we’ll match you with lenders who may be able to help. Remember that TheGuaranteedLoans is not a direct lender and is not involved in the lending process. We are here to help you find the right lender for your needs.

F.A.Q.

Can a payday loan lender in Hardy, Iowa charge a penalty for early repayment of the loan?

No, a payday loan lender in Hardy, Iowa cannot charge a penalty for early repayment of the loan. In fact, borrowers are encouraged to pay off their loans as soon as possible to avoid high interest charges.

Is there a minimum loan term for payday loans in Hardy, Iowa?

Yes, the minimum loan term for payday loans in Hardy, Iowa is 14 days. However, lenders can offer longer loan terms if they choose to do so.