Payday Loans in Oxford, Iowa

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

Company nameAddressZip codePhone number
First Security 100 1st St NW, Hampton, IA 50441 +1 (641) 456 - 2559
Wagner Accounting & Tax Service 607 Myatt Dr 1, Maquoketa, IA 52060 +1 (563) 652 - 5152
Thrivent Financial 1007 N Gales Ave, Manchester, IA 52057 +1 (563) 608 - 2683
Advance America 1713 Hamilton Blvd, Sioux City, IA 51103 +1 (712) 234 - 1864
Green Belt Bank & Trust - Ashbrook Branch 1121 N Fremont St, Iowa Falls, IA 50126 +1 (641) 648 - 8080
Community First 2800 220th Trail, Amana, IA 52204 +1 (319) 622 - 6359
Check N Cash 607 W Sheridan Ave, Shenandoah, IA 51601 +1 (712) 246 - 3505
Kileen Rezac 25 S Center St, Marshalltown, IA 50158 +1 (641) 752 - 2041
Wells Fargo Home Mortgage 102 S 2nd St, Knoxville, IA 50138 +1 (641) 842 - 7500
State Bank 124 1st St SE, Waverly, IA 50677 +1 (319) 352 - 6000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oxford, IA, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in West Des Moines, IA, Payday Loans in Ames, IA, Payday Loans in Ankeny, IA, Payday Loans in Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loans in Cedar Rapids, IA, Payday Loans in Council Bluffs, IA and Payday Loans in Davenport, 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 Oxford, IA.

Beautiful sights of Oxford, IA

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

52322

Are Payday Loans Legal In Oxford, 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

Oxford, IA payday loan calculator

Understanding Payday Loans: The A to Z Guide for Oxford, Iowa Residents

When confronted with unexpected expenses, short-term loans, such as payday loans, can be a helpful resource for Oxford, Iowa residents. Payday loans provide quick and convenient access to cash, with repayment terms that cater to your income and budget. However, understanding the rules and regulations that govern payday loans in Iowa is crucial to making informed financial decisions.

What is a Payday Loan?

A payday loan is a short-term loan that is typically due on your next payday. The loan amount can vary, but typically ranges from $100 to $500. These loans come with high interest rates and fees, making it important to consider your ability to repay the loan before taking one out.

Applying for a Payday Loan in Oxford, Iowa

Applying for a payday loan is a straightforward process. The requirements for a loan include:

  • A government-issued ID
  • A valid checking account
  • Proof of income, such as a pay stub or bank statement

Once approved for a payday loan, you will receive the loan amount in your checking account. The loan will be due on your next payday, along with any associated fees and interest charges.

Laws and Regulations Regarding Payday Loans in Iowa

Payday loans are legal in Iowa. However, the Iowa Division of Banking regulates payday lenders and has set forth certain guidelines for loan terms and fees. Some of these regulations include:

  • Interest rates cannot exceed 15% of the amount borrowed
  • Loans cannot exceed $500
  • Lenders must disclose all fees and charges associated with the loan

Benefits of Payday Loans

Payday loans can provide a range of benefits to Oxford, Iowa residents, including:

  • Quick and convenient access to cash
  • No collateral required
  • Easy application process
  • Flexible repayment terms that cater to your income and budget

The Dangers of Payday Loans

While payday loans can be beneficial in certain situations, they also come with several dangers. These include:

  • High interest rates and fees that can make it difficult to repay the loan
  • Repeated borrowing can lead to a cycle of debt
  • Missed payments can result in additional fees and damage to your credit score

Interesting Facts about Payday Loans in Oxford, Iowa

  • The average payday loan in Iowa is around $341
  • Iowa limits the number of payday loans a borrower can have to two in a 30-day period
  • The payday loan industry generates more than $3.6 billion in revenue each year in the United States

Apply Now

Are you in need of a quick and easy payday loan in Oxford, Iowa? Look no further than TheGuaranteedLoans. Our online application process is straightforward and hassle-free, connecting you with potential lenders who can provide the financial relief you need. It’s important to note that TheGuaranteedLoans is a connector service and not a direct lender. We make it easy for you to find the right lender to meet your needs.

Apply now and take the first step toward financial freedom today.

F.A.Q.

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

Yes, in Oxford, 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 Oxford, Iowa provide a borrower with a grace period before repayment is due?

Yes, a payday loan lender in Oxford, 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.