Payday Loans in Irwin, Iowa

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

Company nameAddressZip codePhone number
Vibrant Credit Union 2445 Valley W Ct, Clinton, IA 52732 +1 (800) 323 - 5109
BANK 409 US-61, Wapello, IA 52653 +1 (319) 523 - 5200
Great Western Bank 610 4th St, Sully, IA 50251 +1 (641) 594 - 4400
Easy Cash Solutions 303 Lincoln Way, Ames, IA 50010 +1 (515) 233 - 3138
Fast Cash of America 1701 3rd Ave E # 2, Oskaloosa, IA 52577 +1 (641) 672 - 2753
Fast Cash 3301 W Kimberly Rd, Davenport, IA 52806 +1 (563) 386 - 4665
Casebine Community Credit Union 4502 Avenue O 18, Fort Madison, IA 52627 +1 (800) 242 - 3476
U.S. Bank Branch 323 E Reed St, Red Oak, IA 51566 +1 (712) 623 - 4828
Maxwell State Bank 122 Main St, Maxwell, IA 50161 +1 (515) 387 - 1175
Casebine Community Credit Union 485 W Burlington Ave, Burlington, IA 52601 +1 (319) 752 - 8745

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Irwin, 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, No Credit Check Loans in Council Bluffs, IA, Online Loans in Davenport, IA, Payday Loans in Des Moines, IA, Payday Loans in Dubuque, IA, Payday Loan for Iowa City, IA and Guaranteed Loans 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 Irwin, IA.

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

51446

Are Payday Loans Legal In Irwin, 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

Irwin, IA payday loan calculator

Understanding Payday Loans in Irwin, Iowa

Payday loans are a financial tool that has been gaining popularity in recent years, especially in the state of Iowa. These loans are designed to provide borrowers with quick access to cash that they can use to cover unexpected expenses or bridge the gap between paychecks. However, it is important to understand the terms and conditions of payday loans, including the fees and interest rates associated with them, before taking one out.

How do payday loans work in Irwin, Iowa?

In the state of Iowa, payday loans are legal and regulated by the Iowa Division of Banking. Payday lenders are required to follow specific guidelines when lending money to borrowers, including:

  • Limiting loan amounts to $500
  • Charging a maximum interest rate of 15% on the first $100 borrowed, and 10% on any additional amounts
  • Requiring repayment of the loan within 31 days
  • Prohibiting lenders from rolling over loans

While these regulations aim to protect borrowers, it is important to remember that payday loans are still a high-interest form of credit and should be used with caution.

The pros and cons of payday loans in Irwin, Iowa

Like any financial tool, payday loans have their benefits and drawbacks. Some of the advantages of payday loans include:

  • Quick access to cash when you need it most
  • No credit check required
  • Easy to apply for and qualify for
  • Can help you avoid overdraft fees or late payment charges on other bills

However, there are also some significant disadvantages to payday loans, including:

  • High interest rates that can quickly add up if the loan is not repaid on time
  • Risk of falling into a cycle of debt if the loan is rolled over or taken out repeatedly
  • Limited loan amounts that may not be enough to cover larger expenses
  • May not be a sustainable solution to long-term financial problems

Interesting Facts and Statistics about Payday Loans in Irwin, Iowa

  • Iowa has one of the lowest average payday loan APRs in the country at 289%
  • In 2019, there were over 213,000 payday loans taken out in the state of Iowa
  • The average loan amount in Iowa is $342
  • Payday lending generates over $50 billion in revenue each year in the United States

Applying for a payday loan through TheGuaranteedLoans

If you find yourself in need of a payday loan in Irwin, Iowa, TheGuaranteedLoans can help connect you with a lender. As a connector service, we work with a network of reputable lenders who can offer you the funds you need to cover unexpected expenses or bills. By filling out our secure online application, you can receive offers from lenders within minutes and get the cash you need deposited directly into your bank account.

It is important to remember that TheGuaranteedLoans is not a direct lender, and we do not make credit decisions. Instead, we work with our network of lenders to help you find the best loan option for your needs. We also encourage borrowers to read and understand the terms and conditions of any loan they take out before signing on the dotted line.

Conclusion

Payday loans can be a useful financial tool for borrowers who need quick access to cash. However, it is important to use these loans with caution and weigh the pros and cons carefully before taking one out. If you do decide to apply for a payday loan, TheGuaranteedLoans can help connect you with a reputable lender who can offer you the funds you need with transparent terms and conditions.

F.A.Q.

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

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

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

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