Payday Loans in Kanawha, Iowa

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

Company nameAddressZip codePhone number
Mahoney Auto Repair, LLC 201 Summit St, Pierson, IA 51048 +1 (712) 375 - 5402
David A Farmer Inc 1613 Franklin St 9442, Center Point, IA 52213 +1 (319) 849 - 2432
Hills Bank 120 5th St, Kalona, IA 52247 +1 (319) 656 - 2281
Principal Financial Group 152 W Gillet St, Preston, IA 52069
Allied Pawn Loans & Jewelry Pawn Shop Dubuque Iowa Buy & Sell Gold, Silver, Diamonds, Jewelry, Coins, Bullion, Watches, Guitars, Handbags, Tools, Electronics, Sports Equipment 2013 Central Ave 900, Dubuque, IA 52001 +1 (563) 583 - 5187
Great Western Bank 655 Community Dr, North Liberty, IA 52317 +1 (319) 471 - 4570
Midwest Heritage 1025 Braden Ave, Chariton, IA 50049 +1 (641) 774 - 8581
U.S. Bank Branch 701 Sumner Ave, Humboldt, IA 50548 +1 (515) 332 - 1142
Kerndt Brothers Bank - Waukon 820 11th Ave SW, Waukon, IA 52172 +1 (563) 568 - 5234
Shazam ATM 102 S 3rd St, Laurens, IA 50554

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kanawha, IA, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Ankeny, IA, Payday Loans in Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loans in Cedar Rapids, IA, Quick Loan in Council Bluffs, IA, No Credit Check Loans in Davenport, IA, Payday Loans in Des Moines, IA and Payday Loans in Dubuque, 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 Kanawha, IA.

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

50447

Are Payday Loans Legal In Kanawha, 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

Kanawha, IA payday loan calculator

Advise to read before applying

What You Need to Know About Payday Loans in Kanawha, Iowa

When it comes to unexpected expenses, many people turn to payday loans to help bridge the gap between paychecks. Payday loans can be an ideal solution for those with poor credit or who need cash quickly, but it’s essential to understand the regulations surrounding them, particularly in Kanawha, Iowa.

Payday Loans in Kanawha, Iowa: Legal or Not?

The good news is that payday loans are legal in Iowa, including Kanawha. The state has several regulations in place to protect consumers from predatory lending practices, so if you’re considering a payday loan, it’s crucial to familiarize yourself with these regulations.

Applying for a Payday Loan in Kanawha, Iowa

While many lenders have physical storefronts that you can visit, applying for a payday loan online is often more convenient. The application process is typically straightforward and involves filling out an application and providing some basic personal and financial information.

Once you submit your application, you’ll usually receive a decision within minutes, after which your funds will be either deposited directly into your bank account or made available for pickup at a physical location.

Regulations in Place to Protect Kanawha, Iowa Borrowers

Iowa has strict regulations governing payday loans, including:

  • A maximum loan amount of $500
  • A maximum loan term of 31 days
  • No rollovers or renewals allowed
  • A minimum of one day cooling-off period after every loan.

These regulations protect borrowers from getting trapped in a cycle of debt, but it’s still essential to approach payday loans with caution. The high-interest rates charged by many lenders can make these loans expensive, and if you’re not careful, you could end up owing more than you can afford to repay.

Interesting Facts and Statistics About Payday Loans in Kanawha, Iowa

  • In 2020, there were over 16,000 payday loans taken out in Iowa with a total loan amount of over $5 million.
  • On average, Iowa borrowers take out 12 payday loans per year, with an average loan amount of $310.
  • The average annual percentage rate (APR) for payday loans in Iowa is 296%.
  • 84% of payday loan borrowers in Iowa are unable to repay their loans on time.

Apply Now for a Payday Loan in Kanawha, Iowa

If you’re in Kanawha, Iowa, and need a payday loan to cover unexpected expenses, TheGuaranteedLoans can help. Our online application process is straightforward and secure, and we work with a network of trusted lenders to get you the best possible loan terms.

It’s important to remember that TheGuaranteedLoans is not a direct lender; rather, we facilitate connections between borrowers and lenders. This means that while we don’t make loan decisions or set loan terms, we do everything we can to help you find a lender who can meet your needs.

Conclusion

Payday loans can be a useful tool for those in need of quick cash, but it’s essential to understand the regulations surrounding these loans. By doing your research and using a trusted lender like TheGuaranteedLoans, you can approach payday loans with confidence, knowing that you’re making an informed decision with your finances.

F.A.Q.

Are there any alternatives to payday loans in Kanawha, Iowa?

Yes, there are alternatives to payday loans in Kanawha, Iowa, such as borrowing from friends or family, taking out a personal loan, or working with a credit counseling agency to develop a budget and payment plan.

Is it possible to get a payday loan with no employment in Kanawha, Iowa?

It may be possible to get a payday loan with no employment in Kanawha, Iowa if you have another source of income, such as government benefits or alimony payments. However, most lenders will require proof of income to qualify for a loan.

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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