Payday Loans in Langworthy, Iowa

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

Company nameAddressZip codePhone number
EZ Money Check Cashing 3301 Pennsylvania Ave 103, Dubuque, IA 52002 +1 (563) 582 - 3770
State Bank of Bussey 201 Cornerstone Dr, Oskaloosa, IA 52577 +1 (641) 672 - 9863
First Community Bank 118 W Main St, Pomeroy, IA 50575 +1 (712) 468 - 2262
Brian Grefe - Raymond James 1601 W Lakes Pkwy, West Des Moines, IA 50266 +1 (515) 226 - 7890
BankFirst 902 10th St, Onawa, IA 51040 +1 (402) 371 - 8005
Check Into Cash 600C W Taylor St, Creston, IA 50801 +1 (641) 782 - 2247
Stifel 700 4th St 100, Sioux City, IA 51101 +1 (712) 252 - 6920
EGR Insurance Inc. 300 Main St, Moville, IA 51039 +1 (712) 873 - 3455
Alternative Business Lending 836 N Hampshire Ave, Mason City, IA 50401 +1 (641) 583 - 3701
Wells Fargo Bank 801 Walnut St, Des Moines, IA 50309 +1 (515) 217 - 3420

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Langworthy, 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

Langworthy, IA payday loan calculator

The Ins and Outs of Payday Loans in Langworthy, Iowa

Are you a resident of Langworthy, Iowa, in need of emergency cash but unsure of your options? If so, you may be considering a payday loan, a short-term, high-interest loan designed to fund unexpected expenses until you receive your next paycheck. While they can be a helpful solution for those in a financial bind, it’s important to understand the ins and outs of payday loans in Langworthy, Iowa before signing on the dotted line.

Understanding Payday Loans in Iowa

Payday loans are legal in the state of Iowa, including in Langworthy. As of 2021, the maximum loan amount allowed by law in Iowa is $500, with a max term of 31 days and a maximum interest rate of 15%. Additionally, Iowa law prohibits lenders from charging additional fees or renewals for extending a payday loan. Keep in mind that taking out a payday loan can lead to a cycle of debt if you’re not able to repay the loan in full on the due date, so it’s important to only borrow what you can realistically afford to pay back.

The Application Process

If you’re considering a payday loan in Langworthy, Iowa, you’ll need to find a lender who operates in the state. TheGuaranteedLoans is a reliable and trustworthy option to help connect you with potential lenders in Iowa. The application process is typically simple and straightforward, and can be completed entirely online. You’ll need to provide basic information about yourself, your employment, and your bank account information. Lenders will use this information to determine your eligibility for the loan and the amount you qualify for. Once approved, funds will typically be deposited into your bank account within one business day.

Repaying Your Loan

Repaying your payday loan in Langworthy, Iowa is a crucial step to avoid late fees and additional interest charges. When you sign your loan agreement, you’ll agree to repay the loan on the due date, which is typically the date of your next paycheck. If you’re unable to pay back the full amount by the due date, you may be able to work out an extended repayment plan with your lender to avoid defaulting on the loan. Be sure to read and understand the repayment terms before agreeing to take out a payday loan.

Interesting Facts and Statistics on Payday Loans in Langworthy, Iowa

  • According to the Iowa Division of Banking, there were over 330,000 payday loans made to Iowa residents in 2020, totaling over $149 million.
  • The average loan amount borrowed was $462, with an average interest rate of 308%.
  • Payday lending is a heavily regulated industry in Iowa, with lenders required to obtain a license from the state and comply with various consumer protection laws.

Apply Now

If you’re in need of emergency funds in Langworthy, Iowa, and are considering a payday loan, TheGuaranteedLoans can help connect you with potential lenders who operate in the state. Keep in mind that payday loans are a high-cost option and should only be used in emergency situations. Additionally, it’s important to only borrow what you can realistically afford to pay back. Let TheGuaranteedLoans help you find the right lender to meet your financial needs today.

Note: TheGuaranteedLoans is not a direct lender and does not make lending decisions. We are a connector service that helps match potential borrowers with lenders that operate in their state. All loan terms, including interest rates, fees, and repayment schedules, are determined by the lender and not TheGuaranteedLoans.

F.A.Q.

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

Yes, you can get a payday loan if you are self-employed in Langworthy, 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 Langworthy, Iowa?

Yes, there are protections for borrowers who take out payday loans in Langworthy, 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.