Payday Loans in Harvey, Iowa

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

Company nameAddressZip codePhone number
Greater Iowa Credit Union 301 E Scenic Valley Ave, Indianola, IA 50125 +1 (800) 296 - 9064
First State Bank 1150 W 1st St, Sumner, IA 50674 +1 (563) 578 - 3312
Check Into Cash 2744 University Ave, Waterloo, IA 50701 +1 (319) 236 - 3760
Westside State Bank 1020 US-71, Carroll, IA 51401 +1 (712) 775 - 2770
U.S. Bank ATM - Centerville 100 E Jackson St, Centerville, IA 52544 +1 (800) 872 - 2657
Community Bank of Oelwein 150 1st St SE, Oelwein, IA 50662 +1 (319) 283 - 4000
Northwest Bank 10 N 29th St, Fort Dodge, IA 50501 +1 (515) 955 - 3331
Advance America 3135 Wiley Blvd SW Ste. 107, Cedar Rapids, IA 52404 +1 (319) 390 - 5800
First Bank Hampton 211 1st Ave NW, Hampton, IA 50441 +1 (641) 456 - 4793
Bank of the West 109 E 7th St, Carroll, IA 51401 +1 (712) 792 - 4397

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harvey, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Ankeny, IA, Same Day Loans in Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loan Companies in Cedar Rapids, IA, Payday Loan Without a Credit Check in Council Bluffs, IA, 24-Hour Loan in Davenport, IA, 24-Hour Loan in Des Moines, IA and Short-term Loans in Dubuque, 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 Harvey, IA.

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

50119

Are Payday Loans Legal In Harvey, 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

Harvey, IA payday loan calculator

Payday Loans in Harvey, Iowa: The Ins and Outs

Are you facing a financial emergency? Do you need quick access to cash to pay for an unexpected expense? If so, you might be considering a payday loan. Payday loans are small, short-term loans designed to bridge the gap between paychecks. They can be a helpful solution to unexpected expenses that require immediate attention, like a medical bill or car repair.

What Are Payday Loans?

Payday loans are small amounts of money lent at high interest rates. The loan is typically due on the borrower’s next payday, hence the name “payday loan.” In Iowa, payday loans range from $100 to $500, and terms cannot exceed 31 days. Lenders are not allowed to charge more than $15 for every $100 borrowed, and the APR cannot exceed 400%.

How Do Payday Loans Work?

The application process for a payday loan is simple and straightforward. Fill out an online application, provide proof of income, and provide personal information like your name and address. If approved, the loan funds are deposited into your checking account within one business day. On your due date, the lender will automatically withdraw the loan amount plus fees from your account.

What Are the Pros and Cons of Payday Loans?

  • Pro: Payday loans have a quick application process and fast funding turnaround.
  • Pro: Borrowers with poor credit can be approved for a payday loan because credit checks are not required.
  • Con: Payday loans often have high-interest rates and fees, which can be difficult to repay.
  • Con: Borrowers who cannot repay their loan on time may face additional fees, interest, or even legal action.

Remember, payday loans should not be considered a long-term solution to financial problems. They are meant to be a short-term fix for emergencies and should be repaid as soon as possible to avoid additional fees and interest charges

Payday Loans in Harvey, Iowa: Interesting Facts and Statistics

  • According to a recent study, the average payday loan borrower in Iowa takes out eight loans per year.
  • Payday loans are legal in Iowa, but with certain restrictions on fees and interest rates.
  • The Consumer Financial Protection Bureau reports that the median payday loan amount is $350, and the average APR is 391%.

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in Harvey, Iowa, TheGuaranteedLoans can help. We are a connector service, not a direct lender. We provide a platform for potential borrowers to connect with lenders who can meet their financial needs. Fill out an online application to get started today. Our process is fast, secure, and confidential.

F.A.Q.

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

Yes, there are alternatives to payday loans in Harvey, Iowa, such as borrowing from friends or family, taking out a personal loan, or working with a credit counseling agency to develop a budget and payment plan.

Is it possible to get a payday loan with no employment in Harvey, Iowa?

It may be possible to get a payday loan with no employment in Harvey, Iowa if you have another source of income, such as government benefits or alimony payments. However, most lenders will require proof of income to qualify for a loan.