Payday Loans in Melcher, Iowa

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

Company nameAddressZip codePhone number
Plymouth County Abstract Co 126 Central Ave S, Le Mars, IA 51031 +1 (712) 546 - 4564
Lennox Employees Credit Union 1004 E Main St, Marshalltown, IA 50158 +1 (641) 754 - 4501
North Star Community Credit Union 1167, 216 Moorehead Ave, Ida Grove, IA 51445 +1 (712) 364 - 3000
Farmers Trust & Savings Bank 510 Elm St, Williamsburg, IA 52361 +1 (319) 668 - 2525
EZ Money Check Cashing 222 Lincoln Way, Ames, IA 50010 +1 (515) 956 - 4610
Guthrie County Abstract Co 110 N 4th St, Guthrie Center, IA 50115 +1 (641) 332 - 2339
Thrivent Financial: Midwest Group 217 W Bremer Ave, Waverly, IA 50677 +1 (319) 232 - 2171
Payday Mc Anly Loans 307 E Washington St, Clarinda, IA 51632 +1 (712) 542 - 2595
Great Western Bank 501 Pioneer Ave, Oakland, IA 51560 +1 (712) 482 - 6457
Industrial Employee CU 1513 S 18th St, Centerville, IA 52544 +1 (641) 437 - 7109

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Melcher, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Waterloo, IA, Quick Loan in West Des Moines, IA, Payday Loans in Ames, IA, Payday Loans in Ankeny, IA, Payday Loans in Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loan for Cedar Rapids, IA and Payday Loans in Council Bluffs, 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 Melcher, IA.

Useful Articles

Are Payday Loans Legal In Melcher, 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

Melcher, IA payday loan calculator

Advise to read before applying

Payday loans are a popular financial option in Melcher, Iowa. They offer short-term cash advances to people who need money quickly. In this article, we will discuss everything you need to know about payday loans in Melcher, Iowa.

What are payday loans?

Payday loans are short-term cash advances that are typically due on the borrower’s next payday. These loans are usually small, ranging from $100 to $1,000, and are meant to be repaid within a few weeks.

Are payday loans legal in Iowa?

Yes, payday loans are legal in Iowa. The state has specific laws that regulate payday loans, including interest rates and fees. Lenders must have a license to do business in Iowa, and borrowers have certain rights and protections under Iowa law.

How do payday loans work?

To get a payday loan, the borrower writes a post-dated check to the lender for the amount of the loan plus any fees. The lender then gives the borrower cash, minus the fees. When the loan is due, the lender cashes the check. If the borrower cannot repay the loan, they may be able to roll it over, but this can come with additional fees and interest.

What are the requirements to get a payday loan in Melcher, Iowa?

To qualify for a payday loan in Melcher, Iowa, you must:

  • Be at least 18 years old
  • Be a U.S. citizen or permanent resident
  • Have a regular source of income
  • Have a valid checking account

What are the interest rates and fees for payday loans in Melcher, Iowa?

Payday loans in Melcher, Iowa can come with high interest rates and fees. The state caps interest rates at $15 for the first $100 borrowed, and $10 per $100 after that. Lenders are also allowed to charge a $15 NSF fee if a borrower’s check bounces.

What are the risks of payday loans?

Payday loans can be risky for borrowers because of their high interest rates and fees. If a borrower cannot repay the loan on time, they may be forced to roll it over, which can lead to even more fees and interest. This can create a cycle of debt that is difficult to escape.

Interesting facts and statistics about payday loans in Melcher, Iowa

  • The average payday loan amount in Iowa is $341.
  • There are more payday loan storefronts in Iowa than there are McDonald’s restaurants.
  • In Iowa, the average payday loan borrower takes out eight loans per year.

Apply now for a payday loan in Melcher, Iowa

If you need cash quickly, TheGuaranteedLoans can help you connect with potential lenders in Melcher, Iowa. We are a connector service, not a direct lender, which means you will receive offers from multiple lenders. Fill out our online application to get started today.

Note: Remember that payday loans should only be used for short-term financial needs, and should not be relied on as a long-term financial solution.

F.A.Q.

Can a payday loan lender in Melcher, Iowa charge a penalty for early repayment of the loan?

No, a payday loan lender in Melcher, Iowa cannot charge a penalty for early repayment of the loan. In fact, borrowers are encouraged to pay off their loans as soon as possible to avoid high interest charges.

Is there a minimum loan term for payday loans in Melcher, Iowa?

Yes, the minimum loan term for payday loans in Melcher, Iowa is 14 days. However, lenders can offer longer loan terms if they choose to do so.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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