Payday Loans in Montour, Iowa

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

Company nameAddressZip codePhone number
OK One Stop 209 Hospers Dr S, Hospers, IA 51238 +1 (712) 752 - 8121
Glenda Stockwell CPA PC 407 Central Ave, Bedford, IA 50833 +1 (712) 523 - 2173
Bank of the West 105 N Washington St, Bloomfield, IA 52537 +1 (641) 664 - 1112
Liptak Law Office Robert J. Liptak, Attorney, 1890 185th St, Fairfield, IA 52556 +1 (641) 209 - 6187
Principal Financial Group 1006 E 14th St S, Newton, IA 50208 +1 (641) 243 - 3379
Heartland Bank 1201 Market St, Gowrie, IA 50543 +1 (515) 352 - 3181
Hometown Cash Advance 405 E Main St 2, Anamosa, IA 52205 +1 (319) 462 - 6118
Bank Iowa - New Hampton 606 W Milwaukee St, New Hampton, IA 50659 +1 (641) 394 - 6800
Lincoln Savings Bank 932 Parriott St, Aplington, IA 50604 +1 (319) 347 - 2305
MidWestOne Bank 120 W Center St, Conrad, IA 50621 +1 (641) 366 - 2165

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Montour, IA

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

50173

Are Payday Loans Legal In Montour, 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

Montour, IA payday loan calculator

Payday Loans in Montour, Iowa: Everything You Need to Know

Montour, Iowa is a small town located in Tama County, known for its rich history and agricultural landscape. Despite its peaceful surroundings, many residents of Montour and other small towns in Iowa may occasionally find themselves in a financial bind. That’s where payday loans can come in handy. In this article, we’ll explore everything you need to know about payday loans in Montour, Iowa, from the basics to where to apply.

What are Payday Loans?

Payday loans are short-term loans designed to help individuals cover unexpected expenses or bridge the gap between paychecks. Unlike traditional loans, payday loans are typically due in full within a few weeks, and borrowers may be required to provide proof of employment or income.

While payday loans can be helpful in certain circumstances, they also come with high interest rates and fees. It’s important for individuals considering a payday loan to carefully evaluate their financial situation and only borrow what they can afford to pay back.

Are Payday Loans Legal in Iowa?

Yes, payday loans are legal in Iowa, with certain regulations in place to protect borrowers. The state caps the interest rate on payday loans at 433%, and borrowers are only allowed to take out a maximum of $500 at a time.

In addition, payday lenders are required to provide borrowers with clear information about fees and interest rates, and they must disclose what will happen if the borrower fails to repay the loan.

How to Apply for a Payday Loan in Montour, Iowa

If you find yourself in need of a payday loan in Montour, Iowa, there are several options available. Many payday lenders operate online, making it easy to apply from the comfort of your own home.

Here at TheGuaranteedLoans, we offer a matching service to help connect borrowers in Montour and throughout Iowa with potential lenders. Our online application process is simple and straightforward, and our network of lenders can potentially offer loans up to $5,000.

It’s important to note that TheGuaranteedLoans is a connector service and not a direct lender, meaning we do not make decisions about loans or set interest rates. However, we work with a large network of trusted lenders who may be able to provide loans that best fit your needs.

Interesting Facts about Payday Loans in Montour, Iowa

  • In 2020, Iowa borrowers took out an average of 459,000 payday loans, with an average loan value of $323.
  • According to Iowa law, borrowers are allowed to cancel their payday loan within two business days of the loan being issued, without penalty.
  • While payday loans are legal in Iowa, several states have banned or heavily regulated the practice due to concerns about high interest rates and predatory lending practices.

Conclusion

When used responsibly, payday loans can be a helpful tool for individuals facing unexpected expenses or short-term financial challenges. If you’re considering a payday loan in Montour, Iowa, it’s important to carefully evaluate your financial situation and only borrow what you can afford to pay back.

At TheGuaranteedLoans, we strive to provide a simple and transparent process for connecting borrowers in Montour and throughout Iowa with potential lenders. Apply now to see what loans may be available to you.

Disclaimer: TheGuaranteedLoans is a connector service, not a direct lender. Loan terms, conditions, and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to additional fees and collection activities.

F.A.Q.

Can I rollover or extend a payday loan in Montour, Iowa?

Rolling over or extending a payday loan in Montour, Iowa is not allowed. If you are unable to repay your loan on the agreed-upon date, you may be able to work out a payment plan with your lender.

Are there any restrictions on the use of payday loan funds in Montour, Iowa?

Yes, in Montour, Iowa, payday loan funds must be used for personal, family, or household purposes only. They cannot be used for business or investment purposes.