Payday Loans in Hastings, Iowa

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
EZPAWN 1626 5th Ave S, Fort Dodge, IA 50501 +1 (515) 576 - 5319
Bank Iowa - West Des Moines 1150 Jordan Creek Pkwy, West Des Moines, IA 50266 +1 (515) 225 - 0710
Iowa State Savings Bank 222 E Robinson St, Knoxville, IA 50138 +1 (641) 828 - 8000
Luana Savings Bank 22 W Main St, New Hampton, IA 50659 +1 (641) 394 - 2116
Farmers Trust & Savings Bank 125 W 4th St, Spencer, IA 51301 +1 (712) 262 - 3340
Dupaco Community Credit Union 1200 W Main St, Manchester, IA 52057 +1 (563) 927 - 6187
Farmers State Bank 201 N Main St, Yale, IA 50277 +1 (641) 439 - 2221
Community Savings Bank 502 South Highway 52, Guttenberg, IA 52052 +1 (563) 252 - 1048
EZ Money Check Cashing 2411 S 24th St #4, Council Bluffs, IA 51501 +1 (712) 256 - 7800
Bank Iowa - Altoona 420 8th St SE, Altoona, IA 50009 +1 (515) 967 - 7283

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hastings, IA, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Iowa City, IA, Payday Loan Companies in Marion, IA, Guaranteed Loans in Sioux City, IA, 24-Hour Loan in Urbandale, IA, No Credit Check Loans in Waterloo, IA, Quick Loan in West Des Moines, IA, 24-Hour Loan in Ames, IA and Payday Loans in Ankeny, 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 Hastings, IA.

Beautiful sights of Hastings, IA

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

51540

Are Payday Loans Legal In Hastings, 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

Hastings, IA payday loan calculator

Payday Loans in Hastings, Iowa: What You Need to Know

If you’re facing an unexpected expense or shortfall in funds, it can be tempting to turn to a payday loan for quick cash. In Hastings, Iowa, payday loans are legal, but it’s important to understand the risks and regulations before you decide to apply.

Here’s what you need to know if you’re considering a payday loan in Hastings, Iowa.

What is a Payday Loan?

A payday loan is a short-term loan designed to provide borrowers with quick access to cash. Typically, payday loans are meant to be repaid on the borrower’s next payday, along with interest and any associated fees.

While payday loans can provide temporary relief for those in need, they often come with high interest rates and fees, which can trap borrowers in debt cycles. Additionally, lenders may require access to the borrower’s bank account or postdated checks, which can lead to overdraft fees or other financial consequences.

Regulations in Hastings, Iowa

In Hastings, Iowa, payday loans are legal but are still subject to regulations from the Iowa Division of Banking. These regulations include caps on interest rates and fees, as well as requirements for lenders to obtain a license and comply with other consumer protection laws.

According to Iowa law, payday lenders can charge a maximum interest rate of 15% on loans of $100 or less, and a maximum interest rate of $10 on loans of $100 to $250. Additionally, lenders may charge a $15 fee for each returned check or failed electronic payment.

Applying for a Payday Loan

If you’re considering a payday loan in Hastings, Iowa, it’s important to do your research and understand the terms and conditions of any lender you work with. While payday loans can provide quick cash, they should be viewed as a last resort for financial emergencies.

Here are some steps to follow when applying for a payday loan:

Step 1: Research Lenders

Before applying for a payday loan, research your options and find a lender that meets your needs. Look for lenders with positive reviews and a history of compliance with Iowa state regulations.

Step 2: Gather Required Documents

Most lenders will require proof of income, such as pay stubs or bank statements, as well as proof of identification. Gather these documents ahead of time to expedite the application process.

Step 3: Apply Online or In-Person

Many payday lenders in Hastings, Iowa, offer online applications for added convenience. However, some lenders may require in-person visits to their physical locations.

Step 4: Review Loan Terms

Before signing a loan agreement, carefully review the terms and conditions, including interest rates, fees, and payment due dates. If you have any questions or concerns, don’t hesitate to ask the lender for clarification.

Step 5: Repay Loan on Time

To avoid additional fees and charges, prioritize repayment of your payday loan on or before the due date. If you’re unable to repay the loan on time, contact the lender to discuss options for repayment.

Interesting Facts and Statistics

– According to a report by the Iowa Division of Banking, there were 507,386 payday loans in Iowa in 2019, totaling $193.9 million in loan principal.

– The average interest rate for a payday loan in Iowa is 300%.

– In Iowa, the term for a payday loan cannot exceed 31 days.

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in Hastings, Iowa, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we work with a network of reputable lenders to provide borrowers with access to fast, secure loans.

To apply, visit our website and fill out our online application. Remember, payday loans should be viewed as a last resort for financial emergencies, and borrowers should only take out loans that they can afford to repay.

Apply now with TheGuaranteedLoans for a quick, easy payday loan solution.

F.A.Q.

Can I get a payday loan if I am self-employed in Hastings, Iowa?

Yes, you can get a payday loan if you are self-employed in Hastings, Iowa. You will need to provide proof of income, such as bank statements or tax returns, to qualify for a loan.

Are there any protections for borrowers who take out payday loans in Hastings, Iowa?

Yes, there are protections for borrowers who take out payday loans in Hastings, Iowa. The state government regulates the fees and interest rates that lenders can charge, and requires lenders to provide written disclosure of the terms and conditions of the loan.