Payday Loans in New Liberty, Iowa

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Farmers Win Coop 110 N Jefferson Ave, Fredericksburg, IA 50630 +1 (563) 237 - 5324
EZPAWN 1165 E Locust St, Davenport, IA 52803 +1 (563) 326 - 3394
First Security 511 Main St, Dumont, IA 50625 +1 (641) 857 - 3204
Farmers Savings Bank 130 W Mission St, Strawberry Point, IA 52076 +1 (563) 933 - 2525
Siouxland Federal Credit Union 4709 Southern Hills Dr, Sioux City, IA 51106 +1 (712) 224 - 1015
American National Bank 306 W Erie St, Missouri Valley, IA 51555 +1 (712) 642 - 2781
Pawn Shop 509 8th St, Sioux City, IA 51101 +1 (712) 233 - 2772
EZ Money Check Cashing 2411 S 24th St #4, Council Bluffs, IA 51501 +1 (712) 256 - 7800
David A Farmer Inc 1613 Franklin St 9442, Center Point, IA 52213 +1 (319) 849 - 2432
Peoples Bank 401 Main St, Guthrie Center, IA 50115 +1 (641) 747 - 3100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in New Liberty, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Des Moines, IA, Payday Loans in Dubuque, IA, Emergency Loan in Iowa City, IA, Payday Loans in Marion, IA, Short-term Loans in Sioux City, IA, Payday Loans in Urbandale, IA, Payday Loans in Waterloo, IA and Payday Loan Without a Credit Check in West Des Moines, 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 New Liberty, IA.

Beautiful sights of New Liberty, IA

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

52765

Are Payday Loans Legal In New Liberty, 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

New Liberty, IA payday loan calculator

Understanding Payday Loans in New Liberty, Iowa

In Iowa, payday loans are legal and regulated by state law. Payday loans offer a quick and easy solution for those in need of emergency cash. These loans are short-term and typically come with high-interest rates and fees. Payday loans are meant to be paid off quickly, usually within a couple of weeks, which is why they are not recommended for long-term financial solutions.

How Payday Loans Work in New Liberty, Iowa

Payday loans work by allowing borrowers to write a post-dated check, which the lender will hold until the borrower’s next payday. The borrower will receive the cash they need upfront, minus the lender’s fees and interest. On the due date, the lender will cash the check, which pays off the loan.

When getting a payday loan in New Liberty, Iowa, there are a few things to keep in mind. First, there is a limit on how much a borrower can receive, which is typically $500. Second, lenders are required to disclose the terms and fees associated with the loan, including the annual percentage rate (APR). Third, borrowers cannot roll over their loan or take out another loan to pay off the original loan.

The Pros and Cons of Payday Loans

  • Pros: Payday loans are easy to obtain and can provide emergency funds in a pinch. They do not require a credit check or collateral, which can make them accessible to those with poor credit or no assets.
  • Cons: Payday loans come with high-interest rates and fees, which can add up quickly and make it difficult to repay the loan on time. The short-term nature of payday loans can lead to a debt cycle if not managed responsibly.

What to Consider Before Taking Out a Payday Loan

Before taking out a payday loan in New Liberty, Iowa, here are some things to consider:

  • Can you afford to repay the loan in full by the due date? If not, you may want to consider other options.
  • What are the fees and interest rates associated with the loan? Make sure you understand the total cost of the loan before agreeing to the terms.
  • Are there any alternatives to payday loans? Consider other options, such as borrowing from family or friends, taking out a personal loan, or seeking assistance from a non-profit organization.

Interesting Facts about Payday Loans in New Liberty, Iowa

  • According to a report from the Iowa Division of Banking, there were over 120,000 payday loans taken out in Iowa in 2020, with an average loan amount of $342.
  • Payday loan stores in Iowa outnumber McDonald’s and Starbucks locations combined.
  • Iowa has some of the strongest payday loan regulations in the country, including a cap on interest rates and fees and a limit on the number of loans a borrower can take out.

Apply Now

If you are in need of emergency cash and are considering a payday loan, TheGuaranteedLoans can help. We are a connector service, not a direct lender, and we can help connect you with potential lenders who can provide the funds you need. Simply fill out our online application and our team will work to find a lender that fits your needs. Remember to borrow responsibly and only take out a loan if you can afford to repay it in full by the due date.

F.A.Q.

Are there any restrictions on the types of fees that a payday loan lender in New Liberty, Iowa can charge?

Yes, there are restrictions on the types of fees that a payday loan lender in New Liberty, Iowa can charge. The lender cannot charge fees that are considered excessive or unfair, such as fees for credit insurance or other types of add-on products.

Can a payday loan lender in New Liberty, Iowa report a borrower's delinquent loan to a credit bureau?

Yes, a payday loan lender in New Liberty, Iowa can report a borrower's delinquent loan to a credit bureau. This can negatively impact the borrower's credit score and make it more difficult to obtain credit in the future. It is important for borrowers to make timely payments on their payday loans to avoid this outcome.