Payday Loans in Olds, Iowa

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

Company nameAddressZip codePhone number
Bank Iowa - Gilmore City 106 Southeast C Avenue North, Gilmore City, IA 50541 +1 (515) 373 - 6244
Check Into Cash 1903 Park Ave #5020, Muscatine, IA 52761 +1 (563) 288 - 9328
EZ Money Check Cashing 2121 Hamilton Blvd, Sioux City, IA 51103 +1 (712) 258 - 8542
Central Bank 3624 6th Ave, Des Moines, IA 50313 +1 (515) 331 - 7205
Check `n Go 806 Wacker Dr, Dubuque, IA 52002 +1 (319) 820 - 0464
D K Arndt PC 116 E I St, Forest City, IA 50436 +1 (641) 585 - 4631
Legacy Financial Services 1200 W 18th St 1, Spencer, IA 51301 +1 (712) 580 - 5432
Advantage Credit Union 121 W 3rd St N, Newton, IA 50208 +1 (641) 792 - 5660
Plymouth County Abstract Co 126 Central Ave S, Le Mars, IA 51031 +1 (712) 546 - 4564
Northeast Security Bank 134 W Main St, Fredericksburg, IA 50630 +1 (563) 237 - 5321

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Olds, IA, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Davenport, IA, Online Loans in Des Moines, IA, No Credit Check Loans in Dubuque, IA, Payday Loans in Iowa City, IA, Payday Loans in Marion, IA, Guaranteed Loans in Sioux City, IA, Short-term Loans in Urbandale, IA and Emergency Loan in Waterloo, 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 Olds, IA.

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

52647

Are Payday Loans Legal In Olds, 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

Olds, IA payday loan calculator

Advise to read before applying

Understanding Payday Loans in Olds, Iowa

Payday loans are short-term loans that can give you access to quick cash in times of financial emergency. If you live in Olds, Iowa, payday loans are a legal option that can help you cover unexpected expenses or bridge the gap between paychecks. In this article, we will explore everything you need to know about payday loans in Olds, Iowa.

How do payday loans work in Olds, Iowa?

Payday loans are small-dollar loans that typically range between $100 and $1,000, and Olds, Iowa state law permits an amount of up to $500. When you apply for a payday loan, you write a postdated check to the lender for the loan amount plus fees and interest. The lender will then hold onto the check until your next payday when they will deposit it into their account. You’re given cash for the borrowed amount, which you must pay back in full, plus interest and fees, on the due date.

Payday loans are designed to be short-term solutions, so they must be paid back within two to four weeks, depending on the terms of your loan. If you’re unable to pay what you owe, you may be given an extension of your loan. However, doing so will come with additional fees and interest.

What are the requirements for getting a payday loan in Olds, Iowa?

To qualify for a payday loan in Olds, Iowa, lenders will typically require that you have a steady source of income and a checking account. You must also be a legal resident of Iowa and over the age of 18. Lenders may also consider your credit score, but it may not be the only determining factor on if you will qualify.

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

Interest rates and fees for payday loans in Olds, Iowa can vary depending on the lender. All lenders in Iowa must be licensed with the state and follow the state’s regulations regarding fees and interest. Under Iowa law, lenders may charge a maximum of $15 finance charge per $100 loaned, up to a $500 loan. For example, if you borrow $300, you’ll owe a finance charge of $45 which equals an APR of 337.68%.

Why might someone choose to get a payday loan in Olds, Iowa?

Some people may choose to get a payday loan in Olds, Iowa if they have an urgent expense that they need immediate funds to cover, such as a medical bill or a car repair. Others may find it challenging to make ends meet until their next paycheck arrives. Payday loans provide a quick and easy way to get access to cash when you need it most.

Who can benefit from payday loans in Olds, Iowa?

Anyone who meets the eligibility requirements and has an urgent need for cash can benefit from payday loans in Olds, Iowa. However, it is essential to remember that payday loans should only be used as a last resort. Payday loans are a high-cost form of credit and should not be used as a solution for long-term financial problems.

Interesting Facts and Statistics About Payday Loans in Olds, Iowa

  • According to a report published by the Iowa Division of Banking, payday lenders in Iowa issued over $300 million in payday loans in 2019.
  • Iowa has a 31-day loan term limit for payday loans.
  • The average interest rate for a payday loan in Iowa is 291% APR.
  • The Iowa payday lending industry has faced scrutiny for its high fees and interest rates in recent years.
  • In Olds, Iowa, most payday loans are taken out by borrowers who earn less than $20,000 a year.

Apply Now for a Payday Loan in Olds, Iowa

If you need quick cash to cover unexpected expenses or other financial emergencies, TheGuaranteedLoans can help you get connected with a lender in Olds, Iowa. Fill out our simple online application, and we will match you with a reputable lender quickly and easily. Remember, TheGuaranteedLoans is not a direct lender but a loan connector service that can assist you in finding a lender that fits your specific needs.

Our Requirements for Applying for a Payday Loan in Olds, Iowa:

  • Must be at least 18 years of age
  • Must be a U.S. citizen or permanent resident
  • Must have a steady income from a job or benefits
  • Must have a checking account that’s in good standing
  • Must have a valid phone number and email address

Don’t wait any longer to get the cash you need. Apply now for a payday loan in Olds, Iowa through TheGuaranteedLoans, and let us help you get the financial support you need.

F.A.Q.

Are there any restrictions on the number of times a borrower can renew a payday loan in Olds, Iowa?

Yes, in Olds, Iowa, a borrower can only renew a payday loan twice. After the second renewal, the borrower must pay off the loan in full or enter into a payment plan with the lender.

Can a payday loan lender in Olds, Iowa provide a borrower with a grace period before repayment is due?

Yes, a payday loan lender in Olds, Iowa can provide a borrower with a grace period before repayment is due. However, the lender is not required to do so, and the length of the grace period is at the discretion of the lender.

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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