Payday Loans in Pilot Grove, Iowa

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

Company nameAddressZip codePhone number
Raccoon Valley Bank 1202 2nd St, Perry, IA 50220 +1 (515) 465 - 3521
Maynard Savings Bank 310 Main St W, Maynard, IA 50655 +1 (563) 637 - 2289
Citizens Savings Bank 215 E Main St, Anamosa, IA 52205 +1 (319) 462 - 3561
Chicago Central & Commerce CU 3848 Lafayette Rd, Evansdale, IA 50707 +1 (319) 232 - 6404
Community 1st Credit Union 300 S Jefferson Way, Indianola, IA 50125 +1 (515) 961 - 9194
Two Rivers Bank & Trust 105 Main St, Mediapolis, IA 52637 +1 (319) 394 - 9620
Central State Bank 805 22nd Ave, Coralville, IA 52241 +1 (319) 569 - 2800
Greg Driskell - Raymond James 801 W Taylor St, Creston, IA 50801 +1 (641) 782 - 2377
EZ Money Check Cashing 3301 Pennsylvania Ave, Dubuque, IA 52001 +1 (563) 582 - 3770
EZ Money Check Cashing 717 N Ankeny Blvd, Ankeny, IA 50023 +1 (515) 965 - 0071

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Pilot Grove, IA, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Ames, IA, 24-Hour Loan in Ankeny, IA, Payday Loans in Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loans in Cedar Rapids, IA, Quick Loan in Council Bluffs, IA, Bad Credit Loans in Davenport, IA and Guaranteed 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 Pilot Grove, IA.

Are Payday Loans Legal In Pilot Grove, 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

Pilot Grove, IA payday loan calculator

Payday Loans in Pilot Grove, Iowa – What You Need to Know

Payday loans are short-term loans that are typically due on the borrower’s next payday. In Iowa, payday loans are legal, and there are many lenders operating in the state. Pilot Grove, Iowa, like many small towns in the state, has several payday lenders who offer these loans to local residents.

How Payday Loans Work

Payday loans are designed to provide a quick source of cash for people who need it. In most cases, borrowers can apply for a loan online or in person at a local payday lender. The lender will review the borrower’s income, employment history, and other factors to determine whether or not they are eligible for a loan.

If the borrower is approved, they will usually receive the loan amount in the form of a check or direct deposit. The loan is typically due on the borrower’s next payday, and the lender will often require the borrower to provide a post-dated check or authorization for an electronic debit of the loan amount plus fees and interest.

Benefits of Payday Loans

Payday loans can be a convenient way to get cash quickly for people who need it. They are available to people with poor credit or no credit history, and they can be used for a variety of purposes, including paying bills, covering emergency expenses, or simply making ends meet until the next payday.

Another benefit of payday loans is that they are processed quickly. Borrowers can typically receive the loan amount within 24 hours of applying, making them a good option for people who need cash fast.

Risks of Payday Loans

While payday loans can be a helpful resource for people in need of cash, they also come with risks. The main risk is that payday loans often come with high interest rates and fees. According to the Iowa Attorney General’s Office, payday lenders in Iowa can charge up to $15 in fees for every $100 borrowed, which can make the cost of the loan very high.

Another risk of payday loans is that they can be easy to get trapped in a cycle of debt. Because payday loans are due on the borrower’s next payday, they can be difficult to pay off. This can lead to borrowers taking out additional loans to cover the cost of the original loan, which can make it difficult to get out of debt.

Interesting Facts and Statistics about Payday Loans in Pilot Grove, Iowa

  • The average payday loan amount in Iowa is $341
  • The average annual percentage rate (APR) for payday loans in Iowa is 273%
  • In 2019, there were over 350,000 payday loans taken out in Iowa
  • There are over 200 payday lenders operating in Iowa

Apply Now!

If you find yourself in need of cash and are considering a payday loan, TheGuaranteedLoans can help connect you with potential lenders. We are not a direct lender, but we can facilitate the connection between you and a lender who can meet your needs. Fill out our online application to get started and find out if you qualify for a payday loan in Pilot Grove, Iowa or elsewhere in the state.

F.A.Q.

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

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

Yes, a payday loan lender in Pilot Grove, 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.