Payday Loans in Norway, Iowa

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

Company nameAddressZip codePhone number
United Bank of Iowa 600 2nd St, Lohrville, IA 51453 +1 (712) 465 - 2715
Farm Credit Services of America 105 Theater Cir, Perry, IA 50220 +1 (515) 465 - 5318
Wells Fargo Bank 1224 1st Ave, Perry, IA 50220 +1 (515) 465 - 7310
American National Bank 306 W Erie St, Missouri Valley, IA 51555 +1 (712) 642 - 2781
South Ottumwa Savings Bank 320 Church St, Ottumwa, IA 52501 +1 (641) 682 - 7541
Midstates Bank 321 E Erie St, Missouri Valley, IA 51555 +1 (712) 642 - 2761
First Trust & Savings Bank 123 S Main St, Wheatland, IA 52777 +1 (563) 374 - 1247
MidWestOne Bank 500 Oskaloosa St, Pella, IA 50219 +1 (800) 247 - 4418
Advance America 1111 N Quincy Ave, Ottumwa, IA 52501 +1 (641) 684 - 0083
Kerndt Brothers Bank - Waukon 820 11th Ave SW, Waukon, IA 52172 +1 (563) 568 - 5234

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Norway, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Iowa City, IA, Quick Loan in Marion, IA, Payday Loans in Sioux City, IA, Quick Loan in Urbandale, IA, Same Day Loans in Waterloo, IA, Same Day Loans in West Des Moines, IA, Payday Loans in Ames, IA and Payday Loan Without a Credit Check in Ankeny, 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 Norway, IA.

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

52318

Are Payday Loans Legal In Norway, 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

Norway, IA payday loan calculator

Payday Loans in Norway, Iowa: What You Need to Know

Financial emergencies can happen to anyone, at any time. Fortunately, in Iowa – including Norway, payday loans offer a legal option for people who need quick access to cash. However, it’s important to understand the regulations and potential risks before taking out a loan.

What is a Payday Loan?

A payday loan is a short-term loan typically repaid on the borrower’s next payday. These loans are often used to cover unexpected expenses, such as car repairs or medical bills.

Payday Loans in Iowa

In Iowa, payday loans are legal. The state imposes a limit of $500 for payday loans and a maximum term of 31 days. The maximum finance charge is 15% on the first $100, with an additional 10% on loans between $100 and $500. Lenders are also allowed to charge a $15 fee on each loan.

The Pros and Cons of Payday Loans

While payday loans can be a convenient way to access cash quickly, they also come with some potential risks. Here are some advantages and disadvantages to consider:

Pros:

  • Easy application process
  • Fast access to cash
  • No credit check required

Cons:

  • High fees and interest rates
  • May lead to a cycle of debt if not repaid on time
  • Can damage credit score if not repaid on time

Before making the decision to take out a payday loan, it’s important to consider all the pros and cons, as well as your own personal financial situation and ability to repay the loan on time.

Interesting Facts and Statistics about Payday Loans in Norway, Iowa

  • In 2019, there were over 200 payday lending storefronts in Iowa.
  • The average payday loan in Iowa is $341.
  • The average APR (annual percentage rate) for a payday loan in Iowa is 292%.
  • Nearly 20% of payday borrowers in Iowa use payday loans on a monthly basis.
  • More than 25% of payday borrowers in Iowa take out more than 12 loans per year.

Apply Now

If you find yourself in need of a payday loan in Norway, Iowa, TheGuaranteedLoans can help connect you with potential lenders who may be able to meet your needs.

It’s important to remember that TheGuaranteedLoans is not a direct lender, but rather a connector service. By filling out our online application, you can receive offers from multiple lenders and choose the one that best fits your needs. Just be sure to carefully read and understand all loan terms before accepting an offer.

At TheGuaranteedLoans, we are dedicated to providing our customers with access to safe, affordable lending options. Apply now to see what options are available to you.

F.A.Q.

Can I get a payday loan if I am self-employed in Norway, Iowa?

Yes, you can get a payday loan if you are self-employed in Norway, Iowa. You will need to provide proof of income, such as bank statements or tax returns, to qualify for a loan.

Are there any protections for borrowers who take out payday loans in Norway, Iowa?

Yes, there are protections for borrowers who take out payday loans in Norway, Iowa. The state government regulates the fees and interest rates that lenders can charge, and requires lenders to provide written disclosure of the terms and conditions of the loan.