Payday Loans in Percival, Iowa

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

Company nameAddressZip codePhone number
First National Bank of Muscatine 3107 US-61, Muscatine, IA 52761 +1 (563) 262 - 4218
Mahoney Auto Repair, LLC 201 Summit St, Pierson, IA 51048 +1 (712) 375 - 5402
First Bank Hampton 211 1st Ave NW, Hampton, IA 50441 +1 (641) 456 - 4793
Security Savings Bank 320 Garfield Ave 5000, Farnhamville, IA 50538 +1 (515) 544 - 3281
Walmart Money Center 510 Ave C, Denison, IA 51442
Bank Iowa - Shenandoah 701 W Sheridan Ave, Shenandoah, IA 51601 +1 (712) 246 - 1311
Check `n Go 1419 Hamilton Boulevard 1A, Sioux City, IA 51103 +1 (712) 252 - 1432
North Star Community Credit Union 1207 N 2nd St, Cherokee, IA 51012 +1 (712) 225 - 5731
Consumer Credit Counseling Services 102 N 4th St, Forest City, IA 50436 +1 (641) 421 - 7619
Check `n Go 305 Iowa Speedway Dr, Newton, IA 50208 +1 (641) 569 - 6858

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Percival, IA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Council Bluffs, IA, Same Day Loans in Davenport, IA, Payday Loans in Des Moines, IA, Payday Loans in Dubuque, IA, Emergency Loan in Iowa City, IA, Payday Loans in Marion, IA, 24-Hour Loan in Sioux City, IA and Quick Loan in Urbandale, 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 Percival, IA.

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

51648

Are Payday Loans Legal In Percival, 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

Percival, IA payday loan calculator

Advise to read before applying

Understanding Payday Loans in Percival, Iowa

Payday loans are a type of short-term, high-interest loan that can help individuals who are in a financial bind. These loans are typically due on the borrower’s next payday, hence the name. In Iowa, payday loans are legal, but they come with regulations and restrictions that borrowers need to be aware of.

How do payday loans work in Percival, Iowa?

Individuals who need a quick loan can apply for a payday loan in Percival, Iowa. Typically, they will need to provide proof of income and a valid ID. Once their loan is approved, they receive the funds in their bank account or in cash. On their next payday, the borrower will need to repay the loan plus interest and fees.

It’s important to note that payday loans in Percival, Iowa typically have high interest rates and fees. Iowa law limits the amount that can be borrowed to $500, and the loan term cannot exceed 31 days. Additionally, Iowa law requires that payday lenders be licensed and adhere to various regulations to protect consumers.

The Pros and Cons of Payday Loans in Percival, Iowa

Before considering a payday loan in Percival, Iowa, it’s important to weigh the pros and cons:

Pros

  • Quick access to funds
  • Easy application process
  • No credit check required
  • Can help in a financial emergency

Cons

  • High interest rates and fees
  • Short repayment term
  • Can lead to a cycle of debt
  • Limited loan amount
  • Can negatively impact credit score

Note: It’s crucial to only borrow what you can afford to repay. Borrowers should also consider other alternatives, such as personal loans, credit cards, or borrowing from family and friends.

Statistics about Payday Loans in Percival, Iowa

Here are some interesting facts and statistics about payday loans in Percival, Iowa:

  • In 2019, Iowa payday lenders issued over 560,000 loans totaling more than $220 million.
  • The average payday loan in Iowa was for $341, and the average APR was 273%.
  • Approximately 20% of payday loan borrowers in Iowa default on their loans.

‘Apply Now’ for a Payday Loan in Percival, Iowa

If you’re in need of a payday loan in Percival, Iowa, TheGuaranteedLoans can help connect you with a potential lender. Our online application process is quick and easy. Simply fill out the online form with your information, and we’ll send it to our network of lenders. If you meet the lender’s requirements, you could receive a loan offer as soon as the same day.

Please note that TheGuaranteedLoans is not a direct lender but a connector service. We work with a network of lenders to help borrowers find a loan that suits their needs. Additionally, we do not charge any fees for our services.

In Conclusion

Payday loans can be a helpful tool for those in a financial emergency, but they should be used with caution. It’s essential to understand the fees, interest rates, and repayment terms before taking out a payday loan in Percival, Iowa. TheGuaranteedLoans can help connect you with a potential lender and simplify the application process, but it’s crucial to only borrow what you can repay.

F.A.Q.

Are there any alternatives to payday loans in Percival, Iowa?

Yes, there are alternatives to payday loans in Percival, Iowa, such as small personal loans from banks or credit unions, or assistance from social service agencies.

Is there any regulation of payday loans in Percival, Iowa?

Yes, payday lending is regulated by the Iowa Division of Banking, which sets maximum interest rates and fees, and requires lenders to disclose all terms and conditions of the loan to the borrower.

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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