Payday Loans in Oyens, Iowa

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

Company nameAddressZip codePhone number
Farmers State Bank 1710 W 1st St, Cedar Falls, IA 50613 +1 (319) 287 - 3961
South Story Bank & Trust 905 US-69, Huxley, IA 50124 +1 (515) 597 - 2992
Hometown Cash Advance 3416 Pennsylvania Ave #4, Dubuque, IA 52002 +1 (563) 582 - 8200
Jackson Hewitt Tax Service 2203 A Ave W, Oskaloosa, IA 52577 +1 (641) 672 - 7528
The State Bank 1902 Hill Ave, Spirit Lake, IA 51360 +1 (712) 336 - 2455
Chariton Abstract Co 917 Braden Ave, Chariton, IA 50049 +1 (641) 774 - 2677
Cash-N-Go 231 S Main St #1, Osceola, IA 50213 +1 (641) 342 - 8866
United Bank of Iowa 501 2nd St, Ida Grove, IA 51445 +1 (712) 364 - 3393
Peoples Bank 205 Main St E, Grand Junction, IA 50107 +1 (515) 738 - 2312
Fast Cash of America 708 N 18th St #2, Centerville, IA 52544 +1 (641) 856 - 4445

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oyens, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Ames, IA, Online Loans in Ankeny, IA, Payday Loans in Bettendorf, IA, Payday Loan Without a Credit Check in Cedar Falls, IA, Payday Loan for Cedar Rapids, IA, Payday Loans in Council Bluffs, IA, Payday Loans in Davenport, IA and Payday Loans in 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 Oyens, IA.

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

51045

Are Payday Loans Legal In Oyens, 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

Oyens, IA payday loan calculator

Got an unexpected bill? Consider a payday loan in Oyens, Iowa

Life happens, and sometimes you find yourself in a tough spot. Maybe your car broke down, or you had a medical emergency. Whatever the reason, when you’re short on cash, a payday loan may be a viable option. In Oyens, Iowa, payday loans are legal and can provide the temporary financial relief you need.

What is a payday loan?

A payday loan is a short-term loan that typically needs to be repaid within two weeks. The loan amount is typically based on your income and can range from $100 to $1,000. To qualify for a payday loan, you’ll need to meet certain eligibility requirements and provide proof of income.

How do payday loans work?

The process of getting a payday loan is relatively straightforward. You’ll need to complete an application and provide proof of income, such as a pay stub. Once your loan is approved, the funds are usually deposited into your bank account within one business day. When your loan is due, the lender will automatically withdraw the loan amount plus fees from your bank account.

What are the benefits of payday loans?

  • Quick and easy access to cash for unexpected expenses
  • No collateral required
  • Bad credit is generally not a barrier to approval
  • Can help avoid more expensive options, such as overdraft fees or late payment charges

What are the risks of payday loans?

While payday loans can be helpful in a pinch, they’re not without risks. Here are some potential drawbacks:

  • High interest rates and fees, which can make the loan expensive if not repaid on time
  • Can lead to a cycle of debt if not used responsibly
  • Some lenders engage in aggressive or unethical collection practices

Interesting facts and statistics about payday loans in Oyens, Iowa

According to the Iowa Division of Banking, there were 203 payday lending locations in the state as of April 2021. The average loan amount was $335, and the average loan term was 13 days. The total amount of payday loans in the state was $70.4 million in 2020.

Apply now for a payday loan in Oyens, Iowa

If you’re considering a payday loan in Oyens, Iowa, TheGuaranteedLoans can help connect you with potential lenders. We’re a connector service, not a direct lender, and we’re committed to providing our customers with a secure and convenient lending experience. To get started, fill out an online application today and get the cash you need to cover your unexpected expenses.

F.A.Q.

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

Yes, there are restrictions on the types of fees that a payday loan lender in Oyens, 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 Oyens, Iowa report a borrower's delinquent loan to a credit bureau?

Yes, a payday loan lender in Oyens, 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.