Payday Loans in Long Grove, Iowa

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

Company nameAddressZip codePhone number
MidWestOne Bank 110 1st Ave, Coralville, IA 52241 +1 (319) 356 - 5800
Linn Area Credit Union 619 20th Ave SW, Cedar Rapids, IA 52404 +1 (319) 892 - 7300
Community Savings Bank 101 S Main St, Garnavillo, IA 52049 +1 (563) 964 - 2341
Stifel 700 4th St 100, Sioux City, IA 51101 +1 (712) 252 - 6920
Great Western Bank 511 1st Ave E, Newton, IA 50208 +1 (641) 792 - 9832
Thrivent Financial 626 Broad St, Story City, IA 50248 +1 (515) 733 - 0033
Shazam ATM 102 S 3rd St, Laurens, IA 50554
Northwest Bank ATM - Hy-Vee 819 Grand Ave, Spencer, IA 51301 +1 (800) 678 - 4105
Western Union Hy-vee Food Store, 901 S 4th St, Clinton, IA 52732 +1 (563) 243 - 6162
Truck Country 3201 US-61 151, Dubuque, IA 52003 +1 (563) 556 - 3773

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Long Grove, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cedar Rapids, IA, Payday Loans in Council Bluffs, IA, Bad Credit Loans in Davenport, IA, Same Day Loans in Des Moines, IA, Payday Loans in Dubuque, IA, Payday Loan Without a Credit Check in Iowa City, IA, Payday Loans in Marion, IA and Payday Loans in Sioux City, 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 Long Grove, IA.

Beautiful sights of Long Grove, IA

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

52756

Are Payday Loans Legal In Long Grove, 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

Long Grove, IA payday loan calculator

How Payday Loans Work in Long Grove, Iowa

Payday loans are a type of short-term loan designed to provide a quick cash injection to those in need. These loans are usually due back within a few weeks and are meant to tide borrowers over until their next paycheck arrives. In Iowa, payday loans are legal and widely available, including in the town of Long Grove.

Applying for a Payday Loan

The application process for a payday loan is straightforward and usually takes only a few minutes to complete. Borrowers must provide some basic information about themselves, such as their name, address, and employment details. In most cases, lenders will also require some form of identification, such as a driver’s license or state ID.

Once the application is submitted, the lender will typically review it and make a decision within a few hours. If approved, the funds will be deposited into the borrower’s bank account within one to two business days.

Paying Back a Payday Loan

Payday loans are designed to be repaid quickly, usually within two to four weeks. The borrower agrees to repay the loan plus any fees or interest by the due date, often by allowing the lender to withdraw the funds directly from their bank account.

It’s important to note that payday loans come with high interest rates and fees, which can add up quickly if the loan is not repaid on time. Borrowers should only take out a payday loan if they are confident that they can repay it in full by the due date.

The Pros and Cons of Payday Loans

  • Pros: Payday loans can provide quick access to cash when needed, and they are often easy to qualify for even if the borrower has bad credit or no credit history.
  • Cons: Payday loans come with high interest rates and fees, which can lead to a cycle of debt if the borrower is unable to repay the loan on time. They are also not a long-term solution to financial problems and should only be used in emergencies.

Interesting Facts and Statistics

  • According to a report from the Center for Responsible Lending, the average payday loan in Iowa carries an annual percentage rate (APR) of 273%. This is more than ten times the average APR for a credit card in the United States.
  • In 2019, payday lenders in Iowa issued nearly 550,000 loans, totaling more than $220 million.
  • Payday lenders in Iowa are required to be licensed and regulated by the state, but some have faced allegations of deceptive practices and predatory lending.

Apply Now

If you are in need of a payday loan, TheGuaranteedLoans can help connect you with a potential lender. Simply fill out our online application to get started. Please note that we are a connector service, not a direct lender, and we do not make credit decisions or provide loans ourselves.

When applying for a payday loan, it is important to carefully review the terms and conditions of any offer you receive and to only take out a loan if you are confident that you can repay it in full by the due date.

F.A.Q.

Can I have more than one payday loan at a time in Long Grove, Iowa?

Yes, you can have more than one payday loan at a time in Long Grove, Iowa. However, the total amount borrowed cannot exceed $500.

Can I be sued or have my wages garnished if I default on a payday loan in Long Grove, Iowa?

Yes, if you default on a payday loan in Long Grove, Iowa, the lender may take legal action against you, including suing you or garnishing your wages.