Payday Loans in Leland, Iowa

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

Company nameAddressZip codePhone number
Central State Bank 109 W Main St, State Center, IA 50247 +1 (641) 483 - 2505
Iowa State Bank 105 Albany Ave SE, Orange City, IA 51041 +1 (712) 737 - 4818
MidWestOne Bank 1001 IA-57, Parkersburg, IA 50665 +1 (319) 346 - 1645
FNNB Bank 100 N 2nd Ave W, Newton, IA 50208 +1 (641) 792 - 3010
Doc's Payday Loans 109 N 13th St, Centerville, IA 52544 +1 (641) 856 - 2274
Grinnell State Bank 205 E Broadway St, Polk City, IA 50226 +1 (515) 984 - 6211
United Bank of Iowa 501 2nd St, Ida Grove, IA 51445 +1 (712) 364 - 3393
Advance America 626 South Monroe, Mason City, IA 50401 +1 (641) 424 - 5750
Check `n Go 4501 Southern Hills Dr STE 23, Sioux City, IA 51106 +1 (712) 274 - 1500
Adair County Treasurer 400 Public Square 2, Greenfield, IA 50849 +1 (641) 743 - 2312

Payday Loan Companies in Nearby Cities

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

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

50453

Are Payday Loans Legal In Leland, 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

Leland, IA payday loan calculator

Payday Loans in Leland, Iowa- What You Need to Know

In Iowa, payday loans are legal and regulated by the state. If you’re looking to bridge a financial gap between paychecks or cover unexpected expenses, payday loans can offer a quick and easy solution. However, it’s important to understand the facts before taking out a payday loan in Leland, Iowa.

What are Payday Loans?

Payday loans are short-term, high-interest loans that typically have to be repaid in full on the borrower’s next payday. They are designed to help people who need cash quickly and have limited credit options.

Payday loans in Iowa are capped at $500 per loan and cannot be rolled over or renewed. Lenders may charge up to $15 in fees for every $100 borrowed, or a maximum of $45 for a $300 loan. The maximum APR (annual percentage rate) for Iowa payday loans is 433%, including all fees and finance charges.

Applying for a Payday Loan in Leland, Iowa

Before applying for a payday loan in Leland, Iowa, be sure to research lenders and compare rates and terms. TheGuaranteedLoans website offers a convenient way to connect borrowers with a network of lenders who offer payday loans in Iowa. As a connector service, TheGuaranteedLoans is not a direct lender and does not make credit decisions or determine loan eligibility.

To apply for a payday loan in Leland, Iowa, borrowers must be at least 18 years old, have a valid government-issued ID, a steady source of income, an open and active bank account, and a working phone number and email address.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have both advantages and disadvantages. Understanding these can help you make an informed decision about whether a payday loan is right for you.

Pros:

  • Quick Access to Cash: Payday loans offer fast and easy access to cash, often within one business day.
  • No Credit Required: Payday lenders typically don’t check credit scores, making it possible for people with limited credit options to get approved.
  • Simple Application Process: Applying for a payday loan is usually a straightforward process that can be done online or in person with minimal documentation required.

Cons:

  • High Interest Rates and Fees: Payday loans can come with extremely high interest rates and fees, making them an expensive form of credit. APRs can reach up to 433% in Iowa.
  • Short Repayment Terms: Payday loans must typically be repaid in full on the borrower’s next payday, which can make it difficult for some borrowers to meet the repayment deadline.
  • Risk of Debt Cycle: Because payday loans are short-term, high-cost loans, they can be difficult to repay. Borrowers who can’t repay the loan in full may be tempted to roll over the loan or take out additional loans, leading to a cycle of debt.

Interesting Facts About Payday Loans in Leland, Iowa

  • Iowa is one of 32 states that allow payday loans.
  • Average payday loan fees in Iowa are $15 for every $100 borrowed, which is the national average.
  • In 2019, Iowa payday lenders issued more than 880,000 loans, totaling more than $314 million in loans.

Apply Now for a Payday Loan in Leland, Iowa

If you’re looking for a fast and easy way to connect with lenders offering payday loans in Leland, Iowa, TheGuaranteedLoans website can help. Simply fill out our online application form with basic information about yourself and your income, and we’ll match you with potential lenders. Remember, payday loans should only be used as a short-term financial solution and should not be relied on as a long-term source of credit.

F.A.Q.

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

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

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