Payday Loans in Nemaha, Iowa

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

Company nameAddressZip codePhone number
Langel Keith a CPA 119 Central Ave S, Le Mars, IA 51031 +1 (712) 546 - 7474
Great Western Bank 2100 Commerce Dr, Red Oak, IA 51566 +1 (712) 623 - 9809
Supreme Lending 2302 SW 3rd St, Ankeny, IA 50023 +1 (515) 965 - 0445
Benton County State Bank 212 Locust St NE, Blairstown, IA 52209 +1 (319) 454 - 6230
Check `n Go 2313 Logan Ave, Waterloo, IA 50703 +1 (319) 327 - 5366
Regions Bank 114 N Howard St, Indianola, IA 50125 +1 (515) 442 - 8260
Farmers Win Coop 110 N Jefferson Ave, Fredericksburg, IA 50630 +1 (563) 237 - 5324
Metro Pawn & Loan 3011 W Broadway, Council Bluffs, IA 51501 +1 (712) 256 - 5750
Jackson Hewitt Tax Service 1650 Washington St, Pella, IA 50219 +1 (641) 638 - 3461
First National Bank 1320 Jeffreys Dr, Osceola, IA 50213 +1 (641) 342 - 4250

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Nemaha, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Urbandale, IA, Payday Loans in Waterloo, IA, Payday Loans in West Des Moines, IA, Payday Loans in Ames, IA, Payday Loans in Ankeny, IA, Payday Loan Without a Credit Check in Bettendorf, IA, Payday Loan for Cedar Falls, IA and Same Day Loans in Cedar Rapids, 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 Nemaha, IA.

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

50567

Are Payday Loans Legal In Nemaha, 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

Nemaha, IA payday loan calculator

Payday Loans in Nemaha, Iowa

Payday loans can be a helpful option for those in need of quick cash. For residents of Nemaha, Iowa, it’s important to understand the laws and regulations surrounding payday loans in the state to ensure you’re making an informed decision.

What are Payday Loans in Iowa?

Payday loans are a type of short-term loan that typically lasts for only a few weeks. Borrowers write a post-dated check for the loan amount and fees, which is then cashed on the borrower’s next payday. These loans are often used for unexpected expenses or to cover a gap in income before the borrower’s next paycheck.

In Iowa, payday loans are legal and regulated by the Iowa Division of Banking. According to the state’s laws, borrowers can take out up to $500 in payday loans at any given time, and the loan term cannot exceed 31 days. The maximum finance charge on a payday loan in Iowa is $15 for every $100 borrowed, with an APR of 388%.

How to Apply for a Payday Loan in Nemaha, Iowa

The process of applying for a payday loan in Nemaha, Iowa is straightforward. Typically, borrowers can either visit a physical storefront or apply online. Here are the steps to apply:

  • Gather the necessary documents, including proof of income and a valid photo ID.
  • Complete the loan application, which will ask for personal and financial information.
  • Review and agree to the loan terms, including the finance charge and repayment dates.
  • Provide a post-dated check for the loan amount and fees.
  • Receive the loan amount, often in the form of cash or a direct deposit into your bank account.

Risks and Alternatives to Payday Loans in Nemaha, Iowa

While payday loans can be a helpful resource for those in need of quick cash, they also come with risks. The high APR and short loan term can make it difficult for borrowers to repay the loan on time, often resulting in rollovers, which can lead to a cycle of debt.

It’s important for borrowers to consider all of their options before taking out a payday loan. Some alternatives may include:

  • Negotiating a payment plan with the creditor or lender
  • Requesting an advance on a paycheck from an employer
  • Asking family or friends for a loan
  • Applying for a personal loan from a traditional lender

Interesting Facts and Statistics about Payday Loans in Nemaha, Iowa

  • As of 2019, there were 232 licensed payday lenders in Iowa
  • In 2018, payday lenders in Iowa issued more than 540,000 loans
  • The average loan amount in Iowa was $301 in 2018

Apply Now

If you’re in need of a payday loan in Nemaha, Iowa, TheGuaranteedLoans can help you connect with potential lenders. Fill out our online application to get started.

It’s important to remember that TheGuaranteedLoans is a connector service, not a direct lender. We’ll facilitate your connection with our network of trusted lenders, so you can find the best loan option for your needs.

Thank you for considering TheGuaranteedLoans as your resource for payday loans in Nemaha, Iowa.

F.A.Q.

Are there any alternatives to payday loans in Nemaha, Iowa?

Yes, there are alternatives to payday loans in Nemaha, Iowa, such as small personal loans from banks or credit unions, or assistance from social service agencies.

Is there any regulation of payday loans in Nemaha, Iowa?

Yes, payday lending is regulated by the Iowa Division of Banking, which sets maximum interest rates and fees, and requires lenders to disclose all terms and conditions of the loan to the borrower.