Payday Loans in Persia, Iowa

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

Company nameAddressZip codePhone number
Principal Financial Group 152 W Gillet St, Preston, IA 52069
Northwest Bank 242 N Main Ave, Sioux Center, IA 51250 +1 (712) 722 - 2791
Citizens First Bank 1329 N 2nd St, Clinton, IA 52732 +1 (563) 243 - 6000
Rick's Auto Clinic 702 Sunnyside Ln 1602, Atlantic, IA 50022 +1 (712) 243 - 7088
Globe Acceptance 1001 Grand Ave, West Des Moines, IA 50265 +1 (515) 225 - 9067
Northwest Bank 705 Grand Ave, Spencer, IA 51301 +1 (712) 262 - 2202
BANK - Burlington Branch 1403 S Roosevelt Ave, Burlington, IA 52601 +1 (319) 753 - 2265
LattaHarris, LLP 618 G Ave, Grundy Center, IA 50638 +1 (319) 824 - 5221
The State Bank 1902 Hill Ave, Spirit Lake, IA 51360 +1 (712) 336 - 2455
Community 1st Credit Union 1311 A Ave W, Oskaloosa, IA 52577 +1 (641) 673 - 7243

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Persia, IA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Davenport, IA, Payday Loan Without a Credit Check in Des Moines, IA, Payday Loans in Dubuque, IA, Payday Loans in Iowa City, IA, Payday Loan Without a Credit Check in Marion, IA, Payday Loans in Sioux City, IA, Payday Loan Without a Credit Check 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 Persia, IA.

Beautiful sights of Persia, IA

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

51563

Are Payday Loans Legal In Persia, 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

Persia, IA payday loan calculator

Payday Loans in Persia, Iowa

Payday loans are a type of short-term loan that can help you get through a financial emergency. If you live in Persia, Iowa, you may be wondering what options are available to you when you need a payday loan. Fortunately, payday loans are legal in Iowa, and there are options available to you to get the money you need quickly and easily.

How Do Payday Loans Work?

Payday loans are designed to be a short-term solution to a financial emergency. They are typically for an amount of $500 or less and are due on your next payday. To qualify for a payday loan, you must have a source of income and a checking account. You will also need to provide proof of identification and residency.

When you apply for a payday loan, you will typically be asked to write a post-dated check for the amount you are borrowing plus the fees and interest. If you are unable to repay the loan when it is due, the lender may cash the check, causing you to incur additional fees and potentially damaging your credit score.

Payday Loan Regulations in Iowa

In Iowa, payday loans are legal and governed by the Iowa Division of Banking. The maximum amount you can borrow is $500, and the loan term cannot exceed 31 days. The maximum finance charge for a $100 payday loan for 14 days is $16.67. The interest rate on a payday loan in Iowa cannot exceed 433% APR.

These regulations are in place to protect consumers from predatory lending practices. For example, lenders in Iowa are not allowed to rollover a payday loan, meaning you cannot extend the loan term by paying only the fee or interest due.

Applying for a Payday Loan in Persia, Iowa

If you need to apply for a payday loan in Persia, Iowa, there are several options available to you. You can apply in person at a payday lender location, or you can apply online through a lender’s website. One option for online payday loans in Iowa is TheGuaranteedLoans, a connector service that can help connect you with potential lenders.

TheGuaranteedLoans – Apply Now

TheGuaranteedLoans is a connector service that can help connect you with potential lenders for payday loans. However, it’s important to note that TheGuaranteedLoans is not a direct lender and does not make lending decisions. Instead, we facilitate the connection between borrowers and potential lenders.

To apply for a payday loan through TheGuaranteedLoans, you can fill out an online application on our website. The application is simple and easy to fill out, and you can typically receive a decision within minutes. If you are approved for a loan, you will be connected with a lender, who will provide you with the terms of the loan, including the loan amount, fees, and repayment terms.

It’s important to remember that payday loans are a short-term solution to a financial emergency. They are not intended to be a long-term solution for financial difficulties. Before you apply for a payday loan, consider whether there are other options available to you, such as borrowing from friends or family, or seeking assistance from a local non-profit organization.

Interesting Facts or Statistics about Payday Loans in Persia, Iowa

  • Payday loans are legal in Iowa, but the state has implemented regulations to protect consumers from predatory lending practices.
  • The maximum amount you can borrow in Iowa is $500, and the loan term cannot exceed 31 days.
  • The maximum finance charge for a $100 payday loan for 14 days is $16.67. The interest rate on a payday loan in Iowa cannot exceed 433% APR.
  • In 2020, there were approximately 150 payday lenders operating in Iowa.
  • Iowa is one of 32 states that allows payday lending, but many other states have implemented stricter regulations to protect consumers from predatory lending practices.

Conclusion

If you live in Persia, Iowa, and need a payday loan, there are options available to you. Payday loans are legal in Iowa, and there are regulations in place to protect consumers from predatory lending practices. However, it’s important to remember that payday loans are a short-term solution to a financial emergency and should not be considered a long-term solution for financial difficulties. If you need assistance with managing your finances, consider seeking assistance from a local non-profit organization or financial counselor.

Remember, if you choose to apply for a payday loan through TheGuaranteedLoans, we are here to help connect you with potential lenders. Apply now to get started and get the money you need to cover your emergency expenses.

F.A.Q.

Can a payday loan lender in Persia, Iowa charge a penalty for early repayment of the loan?

No, a payday loan lender in Persia, Iowa cannot charge a penalty for early repayment of the loan. In fact, borrowers are encouraged to pay off their loans as soon as possible to avoid high interest charges.

Is there a minimum loan term for payday loans in Persia, Iowa?

Yes, the minimum loan term for payday loans in Persia, Iowa is 14 days. However, lenders can offer longer loan terms if they choose to do so.