Payday Loans in Linden, Iowa

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

Company nameAddressZip codePhone number
American National Bank 306 W Erie St, Missouri Valley, IA 51555 +1 (712) 642 - 2781
VisionBank 201 US-69, Huxley, IA 50124 +1 (515) 597 - 4477
River Valley Credit Union 2811 E 13th St, Ames, IA 50010 +1 (515) 232 - 1654
The Lending Company, LLC 1716 Hill Ave, Spirit Lake, IA 51360 +1 (712) 336 - 2235
Thrivent Financial-Lutherans 404 2nd St, Blairsburg, IA 50034 +1 (515) 325 - 6084
LattaHarris, LLP 618 G Ave, Grundy Center, IA 50638 +1 (319) 824 - 5221
Northwestern Bank 122 Central Ave NW, Orange City, IA 51041 +1 (712) 737 - 4911
Keystone Savings Bank 81 Main St, Keystone, IA 52249 +1 (319) 442 - 3218
State Bank Of Toledo 100 E High St, Toledo, IA 52342 +1 (641) 484 - 2980
Lincoln Savings Bank 111 E Traer St, Greene, IA 50636 +1 (641) 823 - 4132

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Linden, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Council Bluffs, IA, Payday Loans in Davenport, IA, Payday Loans in Des Moines, IA, Payday Loans in Dubuque, IA, Same Day Loans in Iowa City, IA, Payday Loans in Marion, IA, Bad Credit Loans in Sioux City, IA and Emergency Loan in Urbandale, 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 Linden, IA.

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

50146

Are Payday Loans Legal In Linden, 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

Linden, IA payday loan calculator

Payday Loans in Linden, Iowa: A Comprehensive Guide

If you’re a resident of Linden, Iowa, you may have found yourself in a tight financial situation and wondered how to make ends meet until your next paycheck. While there are several options available to you, one common solution is a payday loan.

A payday loan, also known as a cash advance, is a short-term, high-interest loan designed to provide quick access to cash. These loans are typically due on the borrower’s next payday and require proof of income or employment.

How do payday loans work in Iowa?

Payday loans are legal in Iowa and regulated by the Iowa Division of Banking. The maximum amount you can borrow through a payday loan in the state is $500, and the loan term cannot exceed 31 days.

The interest rate for payday loans in Iowa cannot exceed 15% for the first $100 borrowed, 10% for the remaining amount up to $250, and 7.5% for amounts between $250 and $500. This means that if you borrow $100 for two weeks, the most you will pay in interest is $15.

What are the requirements to apply for a payday loan in Iowa?

To qualify for a payday loan in Iowa, you must meet the following criteria:

  • Be at least 18 years old
  • Be a U.S. citizen or a legal resident
  • Have a valid government-issued ID
  • Have a steady source of income
  • Have an active checking account
  • Provide proof of residence

What are the benefits of payday loans?

Payday loans can provide immediate access to cash in a financial emergency. They are typically easy to apply for and require minimal documentation. Unlike traditional loans, payday loans do not require a credit check, which means they may be an option for individuals with poor credit.

What are the risks of payday loans?

While payday loans can be a quick solution to a financial crisis, they come with several risks. The high interest rates and fees associated with these loans can make it difficult to pay them back on time. Borrowers who are unable to repay the loan when it’s due may be subject to additional fees, penalties, and interest charges that can quickly spiral out of control.

Interesting facts and statistics about payday loans in Linden, Iowa

  • Approximately 1 in 8 adults in Iowa have taken out a payday loan in the past five years.
  • The average loan amount in Iowa is $290, and the average annual percentage rate (APR) is 297%.
  • The majority of payday loan borrowers in Iowa are female and between the ages of 25 and 34.

Apply Now

If you’re in need of a payday loan in Linden, Iowa, TheGuaranteedLoans can help. Our online application process is quick and easy, and we work with a network of trusted lenders to connect you with the loans you need. Remember, we are a connector service and not a direct lender, so we cannot guarantee approval or specific loan terms.

Apply now to get started with TheGuaranteedLoans!

Conclusion

Payday loans can be a useful tool for individuals in need of immediate cash. However, it’s important to understand the risks associated with these loans and to only borrow what you can afford to repay. If you’re considering taking out a payday loan in Linden, Iowa, be sure to do your research and only work with trusted lenders.

F.A.Q.

Are there any restrictions on the number of payday loans a borrower can take out in Linden, Iowa?

Yes, in Linden, Iowa, a borrower is limited to taking out a maximum of two payday loans at any given time.

Can a lender require a borrower to provide collateral for a payday loan in Linden, Iowa?

No, a lender cannot require a borrower to provide collateral for a payday loan in Linden, Iowa. Payday loans are unsecured loans, which means they do not require collateral.