Payday Loans in Little Sioux, Iowa

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

Company nameAddressZip codePhone number
Lori Brokman -CMG Financial Mortgage Loan Officer NMLS 457156 1221 E Pierce St Suite 100, Council Bluffs, IA 51503 +1 (712) 435 - 4176
Fidelity Bank & Trust 424 E Oak St, Monticello, IA 52310 +1 (319) 465 - 7010
Greater Iowa Credit Union 200 Airport Rd, Ames, IA 50010 +1 (800) 296 - 9064
North Star Community Credit Union 216 Moorehead Ave, Ida Grove, IA 51445 +1 (712) 364 - 3000
Wayland State Bank 205 W Main St, Wayland, IA 52654 +1 (319) 256 - 5000
Financial Advisors U.S. Bancorp Investments 100 E Jackson St, Centerville, IA 52544 +1 (641) 437 - 4078
A+ Automotive 209 S Jefferson Way, Indianola, IA 50125 +1 (515) 962 - 5800
Farm Credit Services of America 4056 4th St SW, Mason City, IA 50401 +1 (641) 423 - 2862
County Bank 500 N Highland St, Williamsburg, IA 52361 +1 (319) 668 - 2888
First Community Bank 118 W Main St, Pomeroy, IA 50575 +1 (712) 468 - 2262

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Little Sioux, IA, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Ankeny, IA, Payday Loans in Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loans in Cedar Rapids, IA, Payday Loans in Council Bluffs, IA, No Credit Check Loans in Davenport, IA, Payday Loans in Des Moines, IA and Payday Loans in Dubuque, 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 Little Sioux, IA.

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

51545

Are Payday Loans Legal In Little Sioux, 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

Little Sioux, IA payday loan calculator

Payday Loans: Everything You Need to Know in Little Sioux, Iowa

In Iowa, payday loans are completely legal. These short-term cash loans come in handy when you need quick access to funds. In this article, we will cover everything about payday loans in Little Sioux, Iowa, that you need to know before applying.

What are Payday Loans?

Payday loans are a type of loan where you borrow a small amount of money with a high-interest rate and settle the debt with your next paycheck. They are typically short-term loans that can help you get through financial emergencies.

The Pros and Cons of Payday Loans

It’s essential to understand the benefits and drawbacks of payday loans before considering them as a borrowing option.

Pros:

  • Payday loans are quick and easy to get. You can apply for a payday loan online, from the comfort of your own home.
  • Payday loans don’t require collateral. You don’t have to put up an asset, such as a car or a house, as security for the loan.
  • Payday loans don’t require a credit check. If you have bad credit or no credit, you can still apply for a payday loan.

Cons:

  • Payday loans have high-interest rates. The interest rates for payday loans are much higher than traditional loans.
  • Payday loans can lead to a cycle of debt. Since the interest rates are so high, it can be challenging to pay the loan back. This can lead to a cycle of borrowing and debt.
  • Payday loans can have hidden fees. You need to read the fine print carefully to avoid any hidden fees or charges.

Payday Loans in Little Sioux, Iowa: The Facts and Figures

According to 2019 data, Iowa had 232 payday lenders in the state, and the total loan volume was approximately $1.4 billion. In Little Sioux, Iowa, there are several lenders offering payday loans.

It’s important to note that the interest rate for payday loans in Iowa is capped at 433% Annual Percentage Rate (APR). The maximum amount you can borrow is $500, and the loan term is typically between 14 to 31 days.

According to research, payday loans can be expensive for borrowers, mainly because of high-interest rates, fees, and extremely short terms. A typical payday loan of $100 for 14 days has an APR of 391%. This can lead to financial difficulties if not managed efficiently.

The Application Process for Payday Loans in Little Sioux, Iowa

The application process for payday loans in Little Sioux, Iowa, is straightforward and easy. You can apply online on our website by filling out a short application form, and you will receive a quick response from potential lenders. As a connector service, we will connect you with potential lenders who will contact you to discuss your loan options further.

Apply Now

If you need a payday loan in Little Sioux, Iowa, you can use our online application form at TheGuaranteedLoans website. We make the process hassle-free and secure. Remember, we are a connector service, not a direct lender. We facilitate the connection between you and potential lenders.

Conclusion

Payday loans are a fast option when you need quick access to funds. However, they come with high-interest rates and have short loan terms, leading to a cycle of debt if not managed efficiently. In Little Sioux, Iowa, payday loans are legal, and you can apply online at TheGuaranteedLoans website for fast and secure access to many potential lenders.

Before applying for a payday loan, weigh the pros and cons and make an informed decision.

F.A.Q.

Are there any alternatives to payday loans in Little Sioux, Iowa?

Yes, there are alternatives to payday loans in Little Sioux, Iowa, such as borrowing from friends or family, taking out a personal loan, or working with a credit counseling agency to develop a budget and payment plan.

Is it possible to get a payday loan with no employment in Little Sioux, Iowa?

It may be possible to get a payday loan with no employment in Little Sioux, Iowa if you have another source of income, such as government benefits or alimony payments. However, most lenders will require proof of income to qualify for a loan.