Payday Loans in Paton, Iowa

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

Company nameAddressZip codePhone number
U.S. Bank Branch 1100 W Platt St, Maquoketa, IA 52060 +1 (563) 652 - 6746
Western Union 62 5th St, Woodbine, IA 51579 +1 (800) 325 - 6000
Fidelity Bank & Trust 18298 IA-64, Maquoketa, IA 52060 +1 (563) 652 - 6660
Success Bank 109 N Madison St, Bloomfield, IA 52537 +1 (641) 664 - 2265
Bank of America Mortgage 207 E Church St 104, Marshalltown, IA 50158 +1 (641) 752 - 5626
First Security Investment 809 Clark St, Charles City, IA 50616 +1 (641) 228 - 2343
EZ Money Check Cashing 1238 E 14th St, Des Moines, IA 50316 +1 (515) 262 - 2552
Town & Country Credit Union 102 N Elm St, Avoca, IA 51521 +1 (712) 307 - 6881
Heartland Bank 425 Thomas St, Callender, IA 50523 +1 (515) 548 - 3223
Wells Fargo Home Mortgage 10 N Washington Ave, Mason City, IA 50401 +1 (641) 421 - 4040

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Paton, IA, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Cedar Falls, IA, Payday Loans in Cedar Rapids, IA, Payday Loan Without a Credit Check in Council Bluffs, IA, Payday Loan for Davenport, IA, Payday Loan Without a Credit Check in Des Moines, IA, Payday Loan Companies in Dubuque, IA, No Credit Check Loans in Iowa City, IA and Bad Credit Loans in Marion, 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 Paton, IA.

Beautiful sights of Paton, IA

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

50217

Are Payday Loans Legal In Paton, 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

Paton, IA payday loan calculator

Exploring Payday Loans in Paton, Iowa

Payday loans are a popular form of short-term credit that many people depend on to get them through tough financial times. While there are certainly risks associated with payday loans, they can also be a valuable resource when used responsibly. If you live in Paton, Iowa and are considering a payday loan, keep reading to learn more about how they work and what you need to know before applying.

The Basics of Payday Loans

Payday loans are small-dollar loans that are typically due on your next payday. These loans are designed to bridge the gap between pay periods for people who need cash quickly. To apply for a payday loan, you typically need to provide proof of income and a valid form of identification. You may also need to provide a post-dated check or authorize the lender to make an electronic withdrawal from your bank account on your next payday.

One of the biggest advantages of payday loans is that they are easy to qualify for, even if you have bad credit. This means that people who might not be approved for other types of credit can still get a payday loan. Additionally, payday loans are usually approved quickly, which means you can get the cash you need when you need it.

Paton, Iowa Payday Loan Regulations

While payday loans are legal in Iowa, there are regulations in place to protect consumers. In Paton, lenders are limited to charging a maximum of $15 per $100 borrowed for the first $100. For amounts between $101 and $200, the maximum fee is $14 per $100 borrowed. For amounts between $201 and $500, the maximum fee is $13 per $100 borrowed. Additionally, lenders cannot issue loans for more than $500, and borrowers are allowed to have no more than two outstanding loans at a time.

It’s important to note that while these regulations are in place to protect consumers, payday loans can still be expensive. The high fees associated with these loans can make it difficult to pay them back on time, which can lead to a cycle of debt. That’s why it’s important to only use payday loans when you have no other options and to borrow only what you need.

Applying for a Payday Loan in Paton, Iowa

  • Check that payday loans are legal in your state
  • Research lenders to find a reputable company that offers fair rates and terms
  • Gather the necessary documentation, such as proof of income and identification
  • Apply online or in person
  • Read the terms of the loan carefully
  • Create a plan to pay back the loan on time

If you decide to apply for a payday loan, you can start the process by visiting TheGuaranteedLoans website. We are not a direct lender but will facilitate your connection with potential lenders. Our application process is straightforward and can be completed online in just a few minutes. We work with a large network of lenders, which means you may be able to get approved even if you have bad credit.

Interesting Facts and Statistics About Payday Loans in Paton, Iowa

  • There are nearly 300 payday loan stores in Iowa
  • The average payday loan in Iowa is $327
  • 89% of payday loans in Iowa are taken out by repeat borrowers
  • The annual percentage rate (APR) for payday loans in Iowa can be as high as 401%
  • Iowa is one of 32 states that allows payday loans

Apply Now

If you are in need of a payday loan in Paton, Iowa, TheGuaranteedLoans can help you connect with potential lenders. Our online application process is quick and easy, and you can get a decision in minutes. Remember, we are not a direct lender, but we will facilitate your connection with a lender that may be able to help. Apply now to get started!

F.A.Q.

What is a payday loan in Paton, Iowa?

A payday loan is a short-term, high-interest loan that is intended to be repaid on the borrower's next payday.

How do I qualify for a payday loan in Paton, Iowa?

To qualify for a payday loan in Paton, Iowa, you must be at least 18 years old, have a regular source of income, and have an active checking account.