Payday Loans in Kirkman, Iowa

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

Company nameAddressZip codePhone number
Dubuque Bank and Trust 2196 Holliday Dr, Dubuque, IA 52002 +1 (563) 587 - 3900
VisionBank 217 W Mulberry St, Ogden, IA 50212 +1 (515) 275 - 2420
Maxwell State Bank 122 Main St, Maxwell, IA 50161 +1 (515) 387 - 1175
EZ Money Check Cashing 7020 Douglas Ave STE C, Urbandale, IA 50322 +1 (515) 278 - 9696
LPI Loans 3717 N Brady St, Davenport, IA 52806 +1 (563) 391 - 3600
Check n Go 411 W Agency Rd UNIT 3, West Burlington, IA 52655 +1 (563) 275 - 3742
Community Bank 601 Iowa Ave, Dunlap, IA 51529 +1 (712) 643 - 5442
Regions Bank 25 N. Frederick Street, Oelwein, IA 50662 +1 (319) 238 - 6600
Siouxland Economic Development Corp. 617 Pierce St 202, Sioux City, IA 51101 +1 (712) 279 - 6430
U.S. Bank ATM - West Platt 1100 W Platt St, Maquoketa, IA 52060 +1 (800) 872 - 2657

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kirkman, IA, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Dubuque, IA, Quick Loan in Iowa City, IA, Payday Loan Companies in Marion, IA, 24-Hour Loan in Sioux City, IA, Same Day Loans in Urbandale, IA, No Credit Check Loans in Waterloo, IA, Quick Loan in West Des Moines, IA and Payday Loans in Ames, 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 Kirkman, IA.

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

51447, 51547

Are Payday Loans Legal In Kirkman, 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

Kirkman, IA payday loan calculator

Understanding Payday Loans in Kirkman, Iowa

Payday loans are a type of short-term loan that typically comes with high interest rates. These loans are meant to tide over borrowers until their next paycheck, providing a quick and easy option when unexpected expenses arise. In the state of Iowa, payday loans are legal, but there are certain restrictions in place to protect borrowers from predatory lending practices.

How Payday Loans Work in Kirkman, Iowa

In Kirkman, Iowa, payday loans are typically issued for up to $500, and they must be paid back within 31 days. Lenders are not allowed to charge more than $15 in fees for every $100 borrowed, and the annual percentage rate (APR) cannot exceed 400%. Borrowers are allowed to have up to two loans at once, but they cannot exceed $500 in total.

To apply for a payday loan in Kirkman, Iowa, borrowers must provide proof of income and a valid ID. Lenders will also typically perform a credit check to determine the borrower’s eligibility for the loan.

The Risks and Benefits of Payday Loans

While payday loans can provide a quick source of cash when needed, they also come with significant risks. Due to their high interest rates and short repayment terms, borrowers can easily fall into debt if they are unable to pay back the loan on time. Additionally, some lenders engage in predatory lending practices, charging excessive fees and interest rates that can trap borrowers in a cycle of debt.

However, there are also potential benefits to payday loans. They can be helpful for emergencies that require immediate cash, and they can be easier to obtain than traditional bank loans, especially for those with poor credit histories.

Interesting Facts about Payday Loans in Kirkman, Iowa

  • In 2019, the Iowa Legislature passed a bill that would limit payday loan interest rates to 36%, significantly reducing the cost of borrowing for consumers.
  • According to the Iowa Division of Banking, there were 441,197 payday loans issued in the state in 2018, with a total loan value of over $216 million.
  • As of August 2021, there are 9 licensed payday loan lenders operating in Kirkman, Iowa.

Apply Now for a Payday Loan in Kirkman, Iowa

If you’re facing unexpected expenses and need cash quickly, a payday loan may be a viable option. At TheGuaranteedLoans, we offer a simple and convenient application process that can connect you with potential lenders in Kirkman, Iowa. Our services are free and we are not a direct lender, so you can be assured that you are getting the best possible rate from trustworthy lenders.

To apply for a payday loan in Kirkman, Iowa, simply fill out our online application form. Once you submit your information, we’ll work to connect you with lenders who can provide the funds you need. Don’t let unexpected expenses cause undue stress – apply for a payday loan today.

F.A.Q.

What are the consequences of taking out multiple payday loans in Kirkman, Iowa?

Taking out multiple payday loans in Kirkman, Iowa can be financially risky and lead to a cycle of debt. If you are unable to repay your loans on time, the fees and interest can quickly add up, making it difficult to break the cycle.

Can I be sued for not paying back a payday loan in Kirkman, Iowa?

Yes, you can be sued for not paying back a payday loan in Kirkman, Iowa. If you default on your loan, the lender may file a lawsuit against you to recover the outstanding debt.