Payday Loans in Luzerne, Iowa

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

Company nameAddressZip codePhone number
Shelby County State Bank 425 East St, Shelby, IA 51570 +1 (712) 544 - 2626
First Security 319 Main St E, Rockwell, IA 50469 +1 (641) 822 - 4828
Cherokee State Bank 212 W Willow St, Cherokee, IA 51012 +1 (712) 225 - 3000
Kevin Leliefeld Accounting & Tax Service 606 S River Park Dr, Guttenberg, IA 52052 +1 (563) 252 - 1211
Peoples Bank 1901 Morningside Ave, Sioux City, IA 51106 +1 (712) 276 - 5333
Globe Acceptance, Inc. 3410 Merle Hay Rd, Des Moines, IA 50310 +1 (515) 277 - 1836
Walmart Money Center 1111 Holton Dr, Le Mars, IA 51031
Fidelity Abstract & Title Co 1228 Edgington Ave, Eldora, IA 50627 +1 (641) 858 - 5496
North Iowa Community Credit Union 640 S Federal Ave, Mason City, IA 50401 +1 (888) 424 - 2281
Bank Iowa - Clarinda Drive-up 101 W Washington St, Clarinda, IA 51632 +1 (712) 542 - 2121

Payday Loan Companies in Nearby Cities

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

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

52257

Are Payday Loans Legal In Luzerne, 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

Luzerne, IA payday loan calculator

The Facts About Payday Loans in Luzerne, Iowa

When the unexpected happens, from car repairs to medical bills, many people find themselves short on cash. For those living in Luzerne, Iowa, payday loans may provide a solution. Payday loans are small, short-term loans that are intended to cover sudden expenses until the borrower gets their next paycheck.

Legal Status of Payday Loans in Iowa

Payday loans are legal in Iowa, but the state has strict regulations in place to protect consumers from predatory lending practices. These regulations include:

  • Borrowers can only take out one loan at a time.
  • The loan term cannot exceed 31 days.
  • The maximum loan amount is $500.
  • Lenders cannot charge more than $15 for every $100 borrowed.
  • The annual percentage rate (APR) on a payday loan cannot exceed 390%.

It’s important to note that while these regulations are in place to protect consumers, payday loans can still come with high costs and should only be used as a last resort.

The Application Process

Applying for a payday loan in Luzerne, Iowa is a straightforward process that can typically be completed online or in-person at a lending store. Borrowers will need to provide proof of income, a valid ID, and an active checking account in order to be approved for a loan.

Interest Rates and Fees

As previously mentioned, lenders in Iowa are allowed to charge no more than $15 in fees per $100 borrowed. For example, if you borrow $100, you would need to pay back $115. If you borrow the maximum amount of $500, the fees would be $75, and you would need to pay back $575.

It’s important to note that payday loans can come with high interest rates and fees, so it’s crucial for borrowers to carefully consider whether they will be able to repay the loan on time. Late payments can result in additional fees and negative marks on a borrower’s credit report.

Benefits of Payday Loans

While payday loans come with certain risks and should only be used in emergencies, they can provide benefits to borrowers who need quick cash. Some potential benefits include:

  • Quick and easy application process
  • Minimal requirements for approval
  • Funds can be used for any purpose
  • No collateral required

Interesting Facts About Payday Loans in Luzerne, Iowa

  • Iowa was the first state to enact legislation regulating payday loans in 2001.
  • In 2019, the average payday loan in Iowa was $275.
  • Payday loan borrowers in Iowa are more likely to have an income of less than $30,000 per year.

Apply Now and Get Connected with Potential Lenders

If you find yourself in need of a payday loan in Luzerne, Iowa, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we facilitate the connection between borrowers and lenders, but we are not a direct lender ourselves.

Our online application process is easy and straightforward. Simply fill out our online form with the necessary information, and we’ll work to connect you with potential lenders. Remember to only borrow what you can afford to repay, and carefully review the terms and conditions of any loan offer before accepting.

F.A.Q.

Can I get a payday loan if I have a bankruptcy in Luzerne, Iowa?

It may be possible to get a payday loan if you have a bankruptcy in Luzerne, Iowa, as payday lenders do not typically conduct a traditional credit check. However, you will still need to provide proof of income and a checking account in good standing to qualify for a loan.

Can I get a payday loan if I am a military member in Luzerne, Iowa?

Yes, you can get a payday loan if you are a military member in Luzerne, Iowa. However, military members are protected by the Military Lending Act, which limits the fees and interest rates that lenders can charge on loans to military members and their families.