Payday Loans in Lamont, Iowa

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

Company nameAddressZip codePhone number
Farm Credit Services of America 4056 4th St SW, Mason City, IA 50401 +1 (641) 423 - 2862
K & K Auto 1115 S Main St 2731, Albia, IA 52531 +1 (641) 932 - 2307
First Security 26 W Congress St, Nora Springs, IA 50458 +1 (641) 749 - 5356
Regions Mortgage 25 N Frederick Ave, Oelwein, IA 50662
U.S. Bank ATM - Centerville 100 E Jackson St, Centerville, IA 52544 +1 (800) 872 - 2657
Cobalt Credit Union 1404 Broadway, Denison, IA 51442 +1 (712) 263 - 5605
Supreme Lending 2302 SW 3rd St, Ankeny, IA 50023 +1 (515) 965 - 0445
Davenport Check Cashers 1920 Brady St, Davenport, IA 52803 +1 (563) 323 - 2646
Don Pick - Ameriprise Financial Services, LLC 210 E 5th St, Carroll, IA 51401 +1 (712) 792 - 5100
Maquoketa State Bank 3 Elliot St, Preston, IA 52069 +1 (563) 689 - 3535

Payday Loan Companies in Nearby Cities

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

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

50650

Are Payday Loans Legal In Lamont, 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

Lamont, IA payday loan calculator

Payday Loans in Lamont, Iowa: A Comprehensive Guide

Are you looking for a quick and convenient way to get cash in Lamont, Iowa? Payday loans might be the solution you need. These short-term loans are designed to cover unexpected expenses or emergencies and can be a helpful tool when used responsibly. In this guide, we’ll take a closer look at payday loans in Lamont and how they work.

How do payday loans work?

Payday loans are a type of short-term loan that is typically due to be repaid on your next payday. To apply for a payday loan, you will need to provide the lender with proof of income and a valid ID. If approved, you will receive the loan amount in cash, on an electronic card or by direct deposit.

Most payday loans in Lamont range from $100 to $500, with interest rates varying between lenders. The loan term is usually between two to four weeks. To avoid defaulting on your loan, it is essential to repay the full amount, including fees and interest, on the due date.

How to apply for a payday loan in Lamont

Applying for a payday loan in Lamont, Iowa, is quick and easy. You don’t need an excellent credit score, and the online application process is straightforward. Here’s how:

  • Visit TheGuaranteedLoans website and fill out our online application form.
  • Provide the required information, including your name, address, email, phone number, and employment details.
  • Submit the application and wait for a lender to contact you.
  • Review the loan offer, including the interest rate, fees, and repayment terms.
  • If you accept the loan offer, sign the loan agreement, and receive the funds directly into your bank account.

Benefits of payday loans in Lamont

Payday loans in Lamont, Iowa, can be a helpful financial tool when used in the right way. Here are some of the benefits:

  • Quick access to cash: With payday loans, you can get the funds you need within 24 hours.
  • No collateral required: You don’t have to provide any collateral or undergo a credit check.
  • Flexible repayment terms: Many lenders offer repayment plans that suit your budget and financial situation.
  • Easy application process: Applying for a payday loan is simple and straightforward.

Important information to know before applying for a payday loan in Lamont

While payday loans can be a helpful financial tool, they also come with some risks to be aware of before applying:

  • High fees and interest rates: Payday loans typically have higher interest rates and fees compared to other types of loans.
  • Risk of payment default: Missing a payment can result in expensive fees and can lead to a cycle of debt.
  • Credit score impact: While payday loans do not require a credit check, not repaying them can negatively affect your credit score.
  • Not a long-term solution: Consider other options before relying on payday loans regularly as they are not designed as a long-term solution to financial hardship.

Apply now

If you’re in need of a payday loan in Lamont, Iowa, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick, easy, and secure. Remember, we are a connector service, not a direct lender, and encourage you to consider all options before taking out a payday loan. Apply now and get the funds you need to cover unexpected expenses or emergencies.

Interesting Facts and Statistics about Payday Loans in Lamont, Iowa

  • Iowa law allows payday lenders to charge up to $15 for every $100 loaned.
  • The average payday loan term in Iowa is 31 days.
  • The average payday loan amount in Iowa is $332.
  • According to a survey conducted by the Iowa Division of Banking, 30% of payday loan borrowers in Iowa took out ten or more loans in 2018.
  • Payday lending is legal in 37 states in the United States, including Iowa.

Remember, when considering taking out a payday loan, it is essential to weigh all the pros and cons and ensure it is the right financial solution for your needs. Use payday loans responsibly and rely on them only as a short-term solution.

F.A.Q.

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

Taking out multiple payday loans in Lamont, 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 Lamont, Iowa?

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