Payday Loans in Hayesville, Iowa

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

Company nameAddressZip codePhone number
Fidelity Bank & Trust 561 Main St, Dike, IA 50624 +1 (319) 989 - 2474
Duane Sturm - Raymond James 114 W Main St, Clarinda, IA 51632 +1 (712) 542 - 6334
U.S. Bank ATM 112 W 2nd St S, Newton, IA 50208 +1 (800) 872 - 2657
U.S. Bank Branch 405 S 3rd St, Clinton, IA 52732 +1 (563) 243 - 8500
Advance America 3135 Wiley Blvd SW Ste. 107, Cedar Rapids, IA 52404 +1 (319) 390 - 5800
Greg Driskell - Raymond James 801 W Taylor St, Creston, IA 50801 +1 (641) 782 - 2377
Great Western Bank 700 W Thomas Ave, Shenandoah, IA 51601 +1 (712) 246 - 2119
Wells Fargo Bank 102 S Center St, Marshalltown, IA 50158 +1 (641) 754 - 5600
Farmers Savings Bank 205 Main St, Colesburg, IA 52035 +1 (563) 856 - 2525
MidWestOne Bank 3110 Kimball Ave, Waterloo, IA 50702 +1 (319) 232 - 5513

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hayesville, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cedar Falls, IA, Payday Loans in Cedar Rapids, IA, Payday Loans in Council Bluffs, IA, Payday Loans in Davenport, IA, Guaranteed Loans in Des Moines, IA, Payday Loans in Dubuque, IA, Payday Loans in Iowa City, IA and Emergency Loan in Marion, 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 Hayesville, IA.

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

52562

Are Payday Loans Legal In Hayesville, 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

Hayesville, IA payday loan calculator

Payday Loans in Hayesville, Iowa

Living paycheck to paycheck is a reality for many Americans, and sometimes unexpected expenses arise. When that happens, payday loans can be a helpful resource for quick cash. In Hayesville, Iowa, payday loans are legal and available for those in need. In this article, we will discuss the basics of payday loans, Iowa laws and regulations, and how to apply.

What are payday loans?

Payday loans are short-term loans intended to help borrowers bridge the gap between paydays. They are unsecured loans, meaning no collateral is needed for approval. Instead, lenders evaluate borrowers based on income and credit history. Typically, lenders require proof of employment and a bank account for loan disbursement.

Payday loans usually come with high-interest rates and short repayment periods. Interest rates in Iowa can be up to 433% APR, making them an expensive option for borrowing. Borrowers should read the terms and conditions carefully before agreeing to a loan to fully understand the repayment requirements and interest charges.

Iowa laws and regulations

Payday lending is legal in Iowa, but lenders must follow certain regulations to operate. The Iowa Division of Banking regulates payday lenders and requires them to have a valid license to lend. Lenders must also comply with state laws, which limit loan amounts and terms.

In Iowa, borrowers can take out loans up to $500 with a maximum term of 31 days. Lenders can charge up to 15% of the loan amount as an origination fee and up to $15 as a non-sufficient funds fee. Lenders are also required to disclose all fees and terms upfront and cannot renew or roll over loans.

How to apply for a payday loan

Applying for a payday loan in Hayesville, Iowa, is relatively simple. The first step is to find a lender that meets your needs. TheGuaranteedLoans is a connector service that can help match borrowers with lenders in Hayesville. Our online application process is quick and straightforward, and we work with a network of trusted lenders.

To apply for a payday loan, borrowers should be prepared to provide the following information:

  • Name and contact information
  • Social Security number
  • Proof of employment
  • Bank account information
  • Driver’s license or state ID

Once approved, borrowers can typically receive funds within 24 hours. Repayment is due on the borrower’s next payday, and lenders will automatically withdraw the amount owed from the borrower’s bank account.

Interesting facts and statistics about payday loans in Hayesville, Iowa

Did you know that the average payday loan borrower takes out eight loans per year? Or that the average payday loan in Iowa is for $307? Here are some other interesting facts and statistics about payday loans in Hayesville, Iowa:

  • The average interest rate for payday loans in Iowa is 286% APR.
  • As of 2020, there were 432 payday lenders in Iowa.
  • The majority of payday loan borrowers in Iowa are white, female, and between the ages of 25 and 44.

Apply now

If you need a payday loan in Hayesville, Iowa, TheGuaranteedLoans can help connect you with a trusted lender. Our application process is easy, and we work with a network of lenders to find the best option for you. Remember, we are a connector service, and not a direct lender. Our goal is to facilitate the connection between you and potential lenders to help you get the funds you need.

Don’t let unexpected expenses stress you out. Apply for a payday loan today and get the cash you need in no time!

F.A.Q.

How much can I borrow with a payday loan in Hayesville, Iowa?

The maximum amount that you can borrow with a payday loan in Hayesville, Iowa is $500.

What are the interest rates and fees associated with payday loans in Hayesville, Iowa?

Payday loans in Hayesville, Iowa have a maximum annual percentage rate (APR) of 36%. There may also be additional fees, such as origination fees and late payment fees.