Payday Loans in Imogene, Iowa

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

Company nameAddressZip codePhone number
United Community Bank 1006 Okoboji View Ave, Okoboji, IA 51355 +1 (712) 332 - 7717
Online Payday Loans Des Moines 1101 Crocker St Elevator Lobby, Des Moines, IA 50309 +1 (833) 274 - 9982
Iowa State Bank 105 Albany Ave SE, Orange City, IA 51041 +1 (712) 737 - 4818
Advance America 901 S Center St #2, Marshalltown, IA 50158 +1 (641) 753 - 1025
Community Bank & Trust 2609 2nd Ave, Muscatine, IA 52761 +1 (563) 263 - 1122
Farm Loan Program 124 N Elm St, Creston, IA 50801 +1 (641) 782 - 8455
Country Home Loans 4056 4th St SW, Mason City, IA 50401 +1 (641) 423 - 2862
Raymond James Financial Services 100 E Railroad St, Afton, IA 50830 +1 (641) 347 - 8423
Great Western Bank 13150 Hickman Rd, Clive, IA 50325 +1 (515) 440 - 6300
Wells Fargo Home Mortgage 10 N Washington Ave, Mason City, IA 50401 +1 (641) 421 - 4040

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Imogene, 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, 24-Hour Loan in Dubuque, IA, Payday Loan Without a Credit Check in Iowa City, IA, Payday Loans in Marion, IA, 24-Hour Loan in Sioux City, IA, Same Day Loans in Urbandale, IA, Payday Loans in 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 Imogene, IA.

Beautiful sights of Imogene, IA

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

51645

Are Payday Loans Legal In Imogene, 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

Imogene, IA payday loan calculator

Understanding Payday Loans in Imogene, Iowa

If you live in Imogene, Iowa, and are in need of cash in a hurry, a payday loan might be the solution you’re looking for. Payday loans can be a quick and simple way to obtain a small loan when you don’t have access to other forms of credit. However, before you decide to take out a payday loan, it’s important to understand how they work and the potential risks involved.

What are Payday Loans?

A payday loan is a short-term loan that is designed to help you cover unexpected expenses until your next paycheck. Payday loans are typically for small amounts, and the terms of the loan generally range from a few days to a few weeks. In Imogene, Iowa, payday loans are legal and regulated under Iowa Code Chapter 533D.

Payday loans are designed to be easy to obtain. You typically don’t need to undergo a credit check to be approved for a payday loan. Instead, the lender will require proof of income to ensure that you have the ability to repay the loan.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have both pros and cons. Here are some of the advantages and disadvantages of payday loans:

Pros:

  • Quick and easy to obtain when you need cash in a hurry.
  • No credit check required, making it an option for people with low credit scores.
  • No collateral required.
  • The loan can be used for any purpose.

Cons:

  • High interest rates and fees, making it an expensive form of credit.
  • Short repayment terms, which can lead to a cycle of debt if you’re unable to repay the loan on time.
  • Potentially harmful to your credit score if you default on the loan.

Interesting facts and statistics about Payday Loans in Imogene, Iowa

According to recent data, approximately 219,048 payday loans were issued in Iowa in 2019. The average loan amount was $311, and the average annual percentage rate (APR) was 278%. The majority of payday loan borrowers in Iowa are between the ages of 25 and 44, and the average borrower earns less than $30,000 per year.

While payday loans can be a convenient way to obtain cash quickly, it’s important to use them responsibly and only when necessary. If you’re considering a payday loan, make sure you understand the terms of the loan and the potential costs involved.

Apply Now with TheGuaranteedLoans

Ready to apply for a payday loan in Imogene, Iowa? TheGuaranteedLoans is a connector service that can help you find the right lender for your needs. Our application process is simple and secure, and we work with a network of trusted lenders to ensure that you get the best possible rates and terms. Apply now on our website, and take the first step towards getting the cash you need.

Please note that TheGuaranteedLoans is not a direct lender. We do not make lending decisions or provide guarantees for loan approval. Our role is to facilitate your connection with potential lenders who can provide the financing you need.

F.A.Q.

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

Yes, there are restrictions on the types of fees that a payday loan lender in Imogene, 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 Imogene, Iowa report a borrower's delinquent loan to a credit bureau?

Yes, a payday loan lender in Imogene, 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.