Payday Loans in Pleasant Valley, Iowa

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

Company nameAddressZip codePhone number
MidWestOne Bank 926 Ave G, Fort Madison, IA 52627 +1 (319) 372 - 3991
K & K Auto 1115 S Main St 2731, Albia, IA 52531 +1 (641) 932 - 2307
Hometown Cash Advance 4212 Douglas Ave #D, Des Moines, IA 50310 +1 (515) 255 - 0400
Iowa State Bank 17 W 2nd St, Remsen, IA 51050 +1 (712) 786 - 1143
BKD, LLP 2303 Main St, Emmetsburg, IA 50536 +1 (712) 852 - 4464
Fast Cash & Express Tax Place 234 Brownells Pkwy #3, Grinnell, IA 50112 +1 (641) 236 - 1421
Wells Fargo Bank 3065 Kimball Ave, Waterloo, IA 50702 +1 (319) 235 - 4885
Del-Rich Loan & Neat Stuff Antiques 318 Brady St, Davenport, IA 52801 +1 (563) 323 - 2631
Bank Iowa - Manilla 341 4th St, Manilla, IA 51454 +1 (712) 654 - 2962
Iowa Prairie Bank 225 Floyd Ave N, Hinton, IA 51024 +1 (712) 947 - 4323

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Pleasant Valley, IA, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loans in Cedar Rapids, IA, Payday Loans in Council Bluffs, IA, Payday Loans in Davenport, IA, Payday Loans in Des Moines, IA, Quick Loan in Dubuque, IA and Same Day Loans in Iowa City, 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 Pleasant Valley, IA.

Beautiful sights of Pleasant Valley, IA

Are Payday Loans Legal In Pleasant Valley, 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

Pleasant Valley, IA payday loan calculator

Payday Loans in Pleasant Valley, Iowa

Payday loans have become a popular option for those who need quick cash in a financial emergency. While there are many options for payday loans in Iowa, Pleasant Valley has become a hub for these short-term loans. In this article, we will look at the regulations surrounding payday loans in Pleasant Valley, Iowa, and provide you with the information you need to make an informed decision when considering a payday loan.

What are Payday Loans?

A payday loan is a short-term loan that helps individuals cover expenses until their next paycheck arrives. These loans typically have high-interest rates and must be paid back within a few weeks. Payday loans can be helpful when someone needs quick cash, but they can also lead to a cycle of debt and financial hardship if not used responsibly.

Payday Loan Regulations in Pleasant Valley, Iowa

Payday loans are legal in Iowa, but there are regulations in place to protect borrowers. The state requires lenders to be licensed and provides a maximum loan amount of $500. The loan term cannot exceed 31 days, and lenders are not allowed to charge more than $15 for every $100 borrowed. In addition, lenders are required to provide borrowers with a written agreement that outlines the terms and conditions of the loan.

While these regulations are in place to protect consumers, it is essential to read the agreement carefully before signing up for a payday loan. High-interest rates and fees can quickly add up, making it challenging to pay back the loan on time and leading to a cycle of debt. It’s important to consider all options before taking out a payday loan.

Benefits of Payday Loans

One of the main benefits of payday loans is how quickly the money is available. Many lenders can provide funds within 24 hours, making it an ideal option for those in a financial emergency. Payday loans also do not require a credit check, making them an option for those with poor credit scores.

Drawbacks of Payday Loans

While payday loans can be helpful in a financial emergency, they come with significant drawbacks. The high-interest rates and fees make it difficult to pay back the loan on time, leading to a cycle of debt and financial hardship. Additionally, payday loans are meant to be a short-term solution and should not be relied on for long-term financial stability.

Statistics on Payday Loans in Pleasant Valley, Iowa

  • In 2020, there were 40 licensed payday loan lenders in Iowa.
  • The average payday loan amount in Iowa is $309.
  • 6.8% of Iowa residents used a payday loan in the past year.

Apply Now

If you decide that a payday loan is the right option for you, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we will provide you with options from trusted lenders. Please note that TheGuaranteedLoans is a connector service and not a direct lender. We will facilitate your connection with potential lenders, but we do not make any lending decisions and are not responsible for any loan agreements or fees.

Conclusion

Payday loans in Pleasant Valley, Iowa, can be a helpful option for those in a financial emergency. However, it’s essential to consider all options before taking out a payday loan. High-interest rates and fees can lead to a cycle of debt, making it difficult to pay back the loan on time. If you decide that a payday loan is the right choice for you, make sure to read the agreement carefully and consider all fees and interest rates. As always, TheGuaranteedLoans is here to help connect you to potential lenders for your financial needs.

F.A.Q.

Can I get a payday loan if I am self-employed in Pleasant Valley, Iowa?

Yes, you can get a payday loan if you are self-employed in Pleasant Valley, Iowa. You will need to provide proof of income, such as bank statements or tax returns, to qualify for a loan.

Are there any protections for borrowers who take out payday loans in Pleasant Valley, Iowa?

Yes, there are protections for borrowers who take out payday loans in Pleasant Valley, Iowa. The state government regulates the fees and interest rates that lenders can charge, and requires lenders to provide written disclosure of the terms and conditions of the loan.