Payday Loans in Jolley, Iowa

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

Company nameAddressZip codePhone number
Bank of America Drive-thru Service Only 3400 Westown Pkwy, West Des Moines, IA 50266 +1 (515) 224 - 0615
Great Southern Bank 1103 Buckeye Ave 104, Ames, IA 50010
Community Bank of Oelwein 150 1st St SE, Oelwein, IA 50662 +1 (319) 283 - 4000
Advance America 1705 S 1st Ave o, Iowa City, IA 52240 +1 (319) 341 - 8300
Goettsch Dispatch 200 Main St, Galva, IA 51020 +1 (712) 251 - 8886
Two Rivers ATM West Burlington 1066 S Gear Ave, West Burlington, IA 52655 +1 (800) 370 - 6731
Hometown Cash Advance 2458 Camanche Ave Ste 12, Clinton, IA 52732 +1 (563) 243 - 4795
Advance America 331 N. Roosevelt Dr. Space L, Burlington, IA 52601 +1 (319) 754 - 7655
Fidelity Bank & Trust 25 N Chestnut Ave, New Hampton, IA 50659 +1 (641) 394 - 3021
Quik Pawn 3700, 101 W Taylor St suite d, Creston, IA 50801 +1 (641) 782 - 9882

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jolley, IA, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Des Moines, IA, Payday Loans in Dubuque, IA, Payday Loans in Iowa City, IA, 24-Hour Loan in Marion, IA, Payday Loans in Sioux City, IA, Online Loans in Urbandale, IA, Payday Loans in Waterloo, IA and 24-Hour Loan 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 Jolley, IA.

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

50551

Are Payday Loans Legal In Jolley, 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

Jolley, IA payday loan calculator

Advise to read before applying

Payday Loans in Jolley, Iowa: What You Need to Know

If you find yourself short on cash with bills to pay and payday is still weeks away, a payday loan may seem like a quick solution. But before you apply for a payday loan in Jolley, Iowa, there are some important things you need to know.

How Payday Loans Work

A payday loan is a short-term loan that typically must be repaid on your next payday. In Jolley, Iowa, payday loans are legal, and borrowers can typically borrow up to $500.

When you apply for a payday loan, you will need to provide proof of income and a valid government-issued ID. If you are approved for a loan, the money will typically be deposited into your account within a few business days.

The repayment terms for a payday loan vary depending on the lender and the amount you borrow. In general, you will need to repay the loan plus interest and fees on your next payday. If you are unable to repay the loan on time, you may be charged additional fees and interest, which can quickly add up.

The Pros and Cons of Payday Loans

Payday loans can be a helpful solution for those who need cash quickly and have no other options. However, it is important to understand the potential risks and drawbacks of these loans.

  • Pros: Payday loans are typically easy to qualify for, even for borrowers with bad credit. The application process is simple and can often be completed online. If you need cash quickly, a payday loan can provide the funds you need within a few days.
  • Cons: Payday loans often come with high interest rates and fees, which can make them an expensive option for borrowing money. If you are unable to repay the loan on time, you may be charged additional fees and interest, which can quickly add up. Some borrowers may find themselves trapped in a cycle of debt, where they are unable to repay the loan and must continually borrow more money to cover the interest and fees.

Interesting Facts about Payday Loans in Jolley, Iowa

  • According to the Iowa Division of Banking, approximately 1.3 million payday loans were issued in Iowa in 2019, totaling more than $324 million in loan volume.
  • In Iowa, payday lenders are required to be licensed and are subject to strict regulations to protect borrowers. For example, lenders must provide borrowers with a detailed loan agreement that outlines the terms of the loan, including the interest rate, fees, and repayment schedule.

Apply Now for a Payday Loan in Jolley, Iowa

If you need cash quickly and are considering a payday loan, TheGuaranteedLoans can connect you with potential lenders in Jolley, Iowa.

As a connector service, TheGuaranteedLoans is not a direct lender. Instead, we work with a network of reputable lenders to help you find the right loan for your needs.

To apply for a payday loan in Jolley, Iowa, simply fill out our online application form. We will then match you with potential lenders who may be able to provide you with the funds you need.

Disclaimer: Payday loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

F.A.Q.

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

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

Yes, a payday loan lender in Jolley, 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.

Look for Short-Term Loans in Other Cities:

Ames Ankeny Bettendorf Cedar Falls Cedar Rapids Council Bluffs Davenport Des Moines Dubuque Iowa City Marion Ottumwa Sioux City Urbandale Waterloo West Des Moines
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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