Payday Loans in Plano, Iowa

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

Company nameAddressZip codePhone number
Farmers Savings Bank 205 W Main St, Marshalltown, IA 50158 +1 (641) 752 - 2525
Pinnacle Bank 1901 Morningside Ave, Sioux City, IA 51106 +1 (712) 276 - 5333
Calhoun County Economic Development Corp 501 Court St, Rockwell City, IA 50579 +1 (712) 297 - 5601
Principal Financial Group: Matt Ramaekers 223 W 5th St, Carroll, IA 51401 +1 (712) 792 - 6588
Check `n Go 1419 Hamilton Boulevard 1A, Sioux City, IA 51103 +1 (712) 252 - 1432
Check `n Go 3005 1st Ave S, Fort Dodge, IA 50501 +1 (515) 604 - 8482
Mister Money USA 1344 1st Ave NE, Cedar Rapids, IA 52402 +1 (319) 286 - 8108
Clinton National Bank 329 Ferry Rd, Miles, IA 52064 +1 (563) 682 - 7777
Center For Financial Education 313 N Main Ave, Sioux Center, IA 51250 +1 (712) 722 - 3527
Great Western Bank 1407 E 7th St, Atlantic, IA 50022 +1 (712) 243 - 6229

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Plano, IA, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Iowa City, IA, Payday Loans in Marion, IA, Payday Loans in Sioux City, IA, Payday Loans in Urbandale, IA, Payday Loans in Waterloo, IA, Payday Loans in West Des Moines, IA, Online Loans in Ames, IA and Bad Credit Loans in Ankeny, 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 Plano, IA.

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

52581

Are Payday Loans Legal In Plano, 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

Plano, IA payday loan calculator

Payday loans have long been a popular financing option for people who need quick cash to cover unexpected expenses or emergencies. Although many states have banned or heavily regulated payday lending, Iowa is one state that still allows the practice. In particular, payday loans in Plano, Iowa are widely available and can be a helpful tool for those in need.

What Are Payday Loans?

Before we dive into the details of payday loans in Plano, Iowa, let’s first clarify what a payday loan actually is. Essentially, a payday loan is a small, short-term loan that is intended to be repaid quickly – typically, within two to four weeks. These loans are typically for amounts ranging from $100 to $500, although some lenders may offer larger amounts.

Unlike traditional loans, which often require extensive documentation and a lengthy application process, payday loans are designed to be fast and easy. Borrowers can typically apply online or in person, with few requirements beyond proof of income and identification.

How Do Payday Loans Work in Plano, Iowa?

In Plano, Iowa, there are a number of payday lenders who offer loans to residents. These lenders may operate storefront locations, or they may offer online loans through their websites.

To apply for a payday loan in Plano, Iowa, borrowers typically need to provide proof of income (such as a pay stub) and identification. They may also need to provide post-dated checks or authorize electronic withdrawals to repay the loan.

Once approved, the borrower receives the loan amount (minus any fees or interest) and is expected to repay the loan in full on the due date. If the borrower is unable to repay the loan on time, they may be charged additional fees or interest, and may even face legal action.

The Pros and Cons of Payday Loans in Plano, Iowa

Like any financial tool, payday loans have their benefits and drawbacks. If you’re considering a payday loan in Plano, Iowa, it’s important to understand the pros and cons before you make a decision.

Pros:

  • Fast and easy application process
  • No credit check required
  • No collateral required
  • Can be used for any purpose

Cons:

  • High fees and interest rates
  • Short repayment term can lead to a cycle of debt
  • May not be available to those with low income or poor credit

Interesting Facts and Statistics

  • The average payday loan borrower takes out eight loans per year, with a total loan amount of $375 each
  • In Iowa, payday lending has been legal since 2002
  • In 2019, the Iowa legislature passed a law capping payday loan interest rates at 36% per year
  • According to a study by the Consumer Financial Protection Bureau, more than 80% of payday loans are rolled over or renewed, leading to increased fees and debt

Apply Now

If you’re in need of a payday loan in Plano, Iowa, TheGuaranteedLoans can help. Our website connects borrowers with a network of potential lenders, making it fast and easy to find the financing you need. Keep in mind that we are not a direct lender – we simply facilitate the borrowing process.

To get started, visit our website and fill out our online application. We’ll match you with potential lenders who can provide the cash you need, with repayment terms that work for you. Apply now and get the funds you need to cover your expenses today!

F.A.Q.

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

Yes, there are alternatives to payday loans in Plano, Iowa, such as borrowing from friends or family, taking out a personal loan, or working with a credit counseling agency to develop a budget and payment plan.

Is it possible to get a payday loan with no employment in Plano, Iowa?

It may be possible to get a payday loan with no employment in Plano, Iowa if you have another source of income, such as government benefits or alimony payments. However, most lenders will require proof of income to qualify for a loan.