Payday Loans in Holland, Iowa

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

Company nameAddressZip codePhone number
First Security 3598 Orchid Ave, Manly, IA 50456 +1 (641) 454 - 2255
Meta Bank 3448 Westown Pkwy, West Des Moines, IA 50266 +1 (515) 226 - 8474
Miller Financial Group 505 N 3rd St, Red Oak, IA 51566 +1 (712) 623 - 5726
Plymouth County Abstract Co 126 Central Ave S, Le Mars, IA 51031 +1 (712) 546 - 4564
Peoples Bank 401 Main St, Guthrie Center, IA 50115 +1 (641) 747 - 3100
MidWestOne Bank 465 Hwy 965 NE Suite A, North Liberty, IA 52317 +1 (319) 356 - 5800
Principal - Judson Miller 18 N 5th St, Keokuk, IA 52632 +1 (319) 524 - 8656
Security State Bank 102 Dewitt St, Lu Verne, IA 50560 +1 (515) 882 - 3277
Great Southern Bank 210 NE Delaware Ave, Ankeny, IA 50021 +1 (515) 964 - 5626
Crawford County Bank 21 N Main St, Denison, IA 51442 +1 (712) 263 - 5685

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Holland, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Des Moines, IA, Payday Loans in Dubuque, IA, Payday Loans in Iowa City, IA, Payday Loan for Marion, IA, Payday Loans in Sioux City, IA, Payday Loans in Urbandale, IA, Payday Loan for Waterloo, IA and Payday Loans in West Des Moines, 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 Holland, IA.

Beautiful sights of Holland, IA

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

50642

Are Payday Loans Legal In Holland, 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

Holland, IA payday loan calculator

Payday Loans in Holland, Iowa

Are you experiencing a financial emergency in Holland, Iowa? Do you need a quick solution but have poor credit or no credit history? Payday loans may be the answer to your problems. In this article, we will discuss what payday loans are, how they work in Holland, Iowa, and the pros and cons of using them.

What are Payday Loans?

Payday loans are short-term, high-interest loans that allow borrowers to receive cash quickly and easily without a credit check. Borrowers typically repay the loan in full, plus interest and fees, on their next payday.

In Holland, Iowa, payday loans are legal and regulated by the Iowa Division of Banking. Payday lenders have to follow specific rules and regulations set by the state, including the maximum amount that can be borrowed, interest rates, and finance charges.

How do Payday Loans Work in Holland, Iowa?

To apply for a payday loan in Holland, Iowa, you need to be at least 18 years old and have a steady income source. You can apply online, by phone, or at a storefront location. The lender will ask for personal information and proof of income.

Once you are approved, the lender will give you the money in cash, on a prepaid debit card or deposit it into your bank account. You will need to repay the loan, plus interest and fees, in full on your next payday. You can also request an extension, but this will come with additional fees and interest rates.

The Pros of Using Payday Loans

  • Quick and Easy Application Process: Payday loans have a simple application process that can be completed online or in-store within minutes.
  • No Credit Check: Unlike traditional loans, payday lenders do not require a credit check. This means that borrowers with poor credit or no credit history can still get approved.
  • Can Help Build Credit: Repaying your payday loan on time can help build your credit score.

The Cons of Using Payday Loans

  • High-Interest Rates: Payday loans have high-interest rates that can make them expensive to repay.
  • Short-Term Solution: Payday loans are meant to be short-term solutions, and borrowers can get stuck in a cycle of debt if they continually take out loans to cover expenses.
  • Risk of Scams: Some lenders might engage in unethical practices, such as charging hidden fees or threatening borrowers who cannot repay.

Interesting Facts about Payday Loans in Holland, Iowa

  • Iowa has some of the strictest payday loan laws in the United States.
  • The maximum amount you can borrow in Holland, Iowa, is $500.
  • The maximum finance charge cannot exceed $15 for each $100 borrowed.

Apply Now

If you need a payday loan in Holland, Iowa, TheGuaranteedLoans can help connect you with lenders who can provide a loan that suits your needs. Apply now on our website for quick and easy access to potential lenders.

Please note that TheGuaranteedLoans is not a direct lender but a connector service. We work with a network of lenders to help connect you with potential lenders.

Payday loans can be a quick solution for financial emergencies, but they come with high interest rates and fees. If you decide to take out a payday loan, make sure you read the terms and conditions carefully and understand the risks involved. Consider your options and decide whether a payday loan is the right choice for you.

F.A.Q.

Are there any restrictions on the types of fees that a payday loan lender in Holland, Iowa can charge?

Yes, there are restrictions on the types of fees that a payday loan lender in Holland, Iowa can charge. The lender cannot charge fees that are considered excessive or unfair, such as fees for credit insurance or other types of add-on products.

Can a payday loan lender in Holland, Iowa report a borrower's delinquent loan to a credit bureau?

Yes, a payday loan lender in Holland, Iowa can report a borrower's delinquent loan to a credit bureau. This can negatively impact the borrower's credit score and make it more difficult to obtain credit in the future. It is important for borrowers to make timely payments on their payday loans to avoid this outcome.