Payday Loans in Ira, 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 Ira, IA. Consider companies in other cities:

Company nameAddressZip codePhone number
Northeast Security Bank 134 W Main St, Fredericksburg, IA 50630 +1 (563) 237 - 5321
Mister Money USA 303 Lincoln Way, Ames, IA 50010 +1 (515) 232 - 7105
Jeff Ross Namminga Fairway Independent Mortgage Corporation Branch Manager 604 Liberty St Suite 131, Pella, IA 50219 +1 (641) 323 - 6351
Heartland Bank 425 Thomas St, Callender, IA 50523 +1 (515) 548 - 3223
Kremer Kehe Financial 110 S Vine St, West Union, IA 52175 +1 (563) 422 - 5241
Great Western Bank 301 E Washington St, Clarinda, IA 51632 +1 (712) 542 - 5605
Farm Credit Services of America 1812 Hawkeye Ave, Harlan, IA 51537 +1 (712) 755 - 3128
MoneyGram 550 36th Ave SW p, Altoona, IA 50009 +1 (515) 967 - 0330
Premier Jewelry & Loan 4121 N Brady St, Davenport, IA 52806 +1 (563) 355 - 0766
Farmers Savings Bank & Trust 401 B Ave, Vinton, IA 52349 +1 (319) 472 - 2373

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ira, IA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loans in Cedar Rapids, IA, Payday Loans in Council Bluffs, IA, Payday Loans in Davenport, IA, Bad Credit Loans in Des Moines, IA, Payday Loan for Dubuque, IA and Same Day Loans in Iowa City, 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 Ira, IA.

Are Payday Loans Legal In Ira, 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

Ira, IA payday loan calculator

Understanding Payday Loans in Ira, Iowa

When you experience a financial emergency, it can be stressful and overwhelming to come up with the necessary funds. In such cases, taking out a payday loan can seem like a good option to help you cover expenses until your next paycheck arrives. In Iowa, payday loans are legal, and if you find yourself in need, they can be a temporary solution for a financial crisis.

Payday loans are short-term loans that allow borrowers to access small amounts of money to cover unexpected expenses, with the expectation that the loan will be repaid when the borrower receives their next paycheck. These loans are usually for amounts ranging between $100 to $1000, and the repayment period typically ranges from a couple of weeks to a month.

The Pros and Cons of Payday Loans in Iowa

Payday loans have become a topic of debate in recent times, and it’s essential to understand their pros and cons before applying for one in Ira, Iowa. Here are some advantages and disadvantages:

Advantages of Payday Loans in Iowa

  • Easy Application Process – The application process for a payday loan is quite simple and easy. It usually involves filling out a form online or in-store, and you can often get approval within minutes.
  • No Credit Check Required – Unlike traditional loans, payday lenders usually don’t require a credit check, making it easier for people with poor or no credit to qualify for a loan.
  • Fast Disbursement of Funds – Once your loan application is approved, you can receive the funds within one to two business days, providing quick access to cash when you need it urgently.

Disadvantages of Payday Loans in Iowa

  • High Interest Rates – Since payday loans are short-term loans, the interest rates on them can be very high, making it difficult for borrowers to repay the loan in full.
  • Debt Cycle – If you’re unable to repay your loan on time, the lender may roll over your loan, which then accrues even higher interest rates, resulting in a debt cycle that becomes increasingly difficult to break
  • Not a Long-term Solution – Payday loans should only be used as a temporary solution for a financial crisis as they’re not a viable option for long-term financial stability and planning.

Facts About Payday Loans in Iowa

Here are some interesting and verified facts about payday loans in Iowa:

  • Iowa has no specified limits on the amount an individual can borrow from payday lenders.
  • The state of Iowa has a maximum term of 31 days for payday loans.
  • Payday lenders in Iowa are required to provide borrowers with a clear and concise contract containing all relevant loan information, including the APR.
  • In Iowa, the maximum APR that payday lenders can charge a borrower is 433%, although this can vary depending on individual lenders.
  • The Iowa Division of Banking is responsible for regulating payday loan lenders in the state to ensure they adhere to all relevant laws and regulations.

Apply Now

If you find yourself in a financial crisis in Ira, Iowa, and are considering taking out a payday loan, TheGuaranteedLoans can help you find a lender that suits your needs. As a connector service, we work with a network of trusted lenders who can provide you with the funds you need, without the hassle of searching for a lender on your own.

Our online application process is straightforward and easy to use, ensuring you get the funds you need as quickly as possible. However, it’s essential to remember that payday loans are not a long-term solution, and you should only apply for one if you’re confident you can repay the loan on time and in full.

Apply now and let TheGuaranteedLoans help you find the right lender for your financial situation.

F.A.Q.

Can I get a payday loan if I have a bankruptcy in Ira, Iowa?

It may be possible to get a payday loan if you have a bankruptcy in Ira, Iowa, as payday lenders do not typically conduct a traditional credit check. However, you will still need to provide proof of income and a checking account in good standing to qualify for a loan.

Can I get a payday loan if I am a military member in Ira, Iowa?

Yes, you can get a payday loan if you are a military member in Ira, Iowa. However, military members are protected by the Military Lending Act, which limits the fees and interest rates that lenders can charge on loans to military members and their families.