Payday Loans in Kellerton, Iowa

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

Company nameAddressZip codePhone number
Home Trust & Savings Bank 628 Main St, Osage, IA 50461 +1 (641) 732 - 3763
Bank Iowa - Altoona 420 8th St SE, Altoona, IA 50009 +1 (515) 967 - 7283
Worth County Abstract Co Inc 849 Central Ave, Northwood, IA 50459 +1 (641) 324 - 1761
Check `n Go 2313 Logan Ave, Waterloo, IA 50703 +1 (319) 327 - 5366
United Bank of Iowa 320 Front St, Pierson, IA 51048 +1 (712) 375 - 5329
Farm Credit Services of America 1301 W Main St, Manchester, IA 52057 +1 (563) 927 - 3159
Great Western Bank 1609 Madison St, Bedford, IA 50833 +1 (712) 523 - 3611
United Bank of Iowa 1608 1st Ave S, Fort Dodge, IA 50501 +1 (515) 576 - 5111
Cedar Valley Bank & Trust 321 Main St, La Porte City, IA 50651 +1 (319) 342 - 2850
MoneyGram 626 S Monroe Ave, Mason City, IA 50401 +1 (641) 424 - 5750

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kellerton, IA, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Iowa City, IA, Payday Loans in Marion, IA, Payday Loan Companies in Sioux City, IA, Payday Loan Companies in Urbandale, IA, Payday Loan Without a Credit Check in Waterloo, IA, Emergency Loan in West Des Moines, IA, Payday Loan for Ames, IA and Short-term Loans in Ankeny, 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 Kellerton, IA.

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

50133

Are Payday Loans Legal In Kellerton, 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

Kellerton, IA payday loan calculator

Payday Loans in Kellerton, Iowa: Everything You Need to Know

In recent years, payday loans have become an increasingly popular option for those in need of emergency funds. If you’re considering a payday loan in Kellerton, Iowa, there are a few things you should know before you apply.

What is a Payday Loan?

A payday loan is an unsecured short-term loan typically used to cover unexpected expenses or bills. These loans are usually due on the borrower’s next payday and come with high interest rates and fees.

Payday loans can be obtained through brick-and-mortar lenders, as well as through online lenders. In Iowa, payday loans are legal, but there are regulations in place to protect borrowers from predatory lending practices.

How Do Payday Loans Work in Kellerton, Iowa?

If you’re looking to obtain a payday loan in Kellerton, there are a few requirements you’ll need to meet:

  • You must be at least 18 years old
  • You must have a valid government-issued ID
  • You must have a steady source of income
  • You must have an active checking account

Once you’ve met these requirements, you can apply for a payday loan. Typically, the lender will ask for proof of income and a postdated check for the amount you wish to borrow, plus fees.

If you’re approved for the loan, the funds will be deposited into your checking account, and the lender will hold onto the check until your next payday. When the loan is due, the lender will cash the check to collect the repayment.

Benefits and Drawbacks of Payday Loans

Payday loans can be a helpful tool for those in need of emergency funds. Here are a few benefits and drawbacks to consider before applying:

Benefits:

  • Quick and easy application process
  • No collateral required
  • No credit check required

Drawbacks:

  • High interest rates and fees
  • Short repayment terms can lead to a cycle of debt
  • May not be available to those with low income or poor credit

Interesting Facts and Statistics about Payday Loans in Kellerton, Iowa

  • In Iowa, the maximum loan amount for a payday loan is $500
  • The maximum term for a payday loan in Iowa is 31 days
  • In 2018, the average APR for a payday loan in Iowa was 304%
  • Approximately 70% of payday loan borrowers use the funds for recurring expenses, such as rent or utilities
  • Studies have shown that payday loan borrowers are more likely to experience financial distress and have lower credit scores than non-borrowers

Apply Now

If you’re in need of emergency funds and are considering a payday loan in Kellerton, Iowa, TheGuaranteedLoans can help. As a connector service, we’ll put you in touch with potential lenders who can provide the funds you need.

Our application process is quick and easy, and there’s no obligation to accept the loan offers you receive. Just fill out our online application, and we’ll take care of the rest.

Remember, payday loans should only be used as a last resort, and you should always make sure you can afford to repay the loan on time. If you have any questions or concerns, don’t hesitate to contact us.

F.A.Q.

Can I get a payday loan if I am self-employed in Kellerton, Iowa?

Yes, you can get a payday loan if you are self-employed in Kellerton, Iowa. You will need to provide proof of income, such as bank statements or tax returns, to qualify for a loan.

Are there any protections for borrowers who take out payday loans in Kellerton, Iowa?

Yes, there are protections for borrowers who take out payday loans in Kellerton, Iowa. The state government regulates the fees and interest rates that lenders can charge, and requires lenders to provide written disclosure of the terms and conditions of the loan.