Payday Loans in Plymouth, Iowa

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

Company nameAddressZip codePhone number
Check Into Cash 89 2nd St #1, Iowa City, IA 52240 +1 (319) 688 - 0092
O'Reilly Auto Parts 948 N 18th St, Centerville, IA 52544 +1 (641) 856 - 3711
MidWestOne Bank 2408 W Burlington Ave, Fairfield, IA 52556 +1 (641) 472 - 2424
North Star Community CU 1030 S 2nd St, Cherokee, IA 51012 +1 (712) 225 - 5731
Savings Bank 185 S Green Ave, Primghar, IA 51245 +1 (712) 957 - 6815
Thrivent Financial- Mason City Iowa 130 4th St SW, Mason City, IA 50401 +1 (641) 423 - 1533
Dennis Martin PC 10 E Charles St, Oelwein, IA 50662 +1 (319) 283 - 5400
United Bank of Iowa 10 N Grove St, Kiron, IA 51448 +1 (712) 675 - 4512
Bank Iowa - West Des Moines 1150 Jordan Creek Pkwy, West Des Moines, IA 50266 +1 (515) 225 - 0710
Iowa State Savings Bank 1010 W Pearl St, Knoxville, IA 50138 +1 (641) 828 - 8399

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Plymouth, IA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Sioux City, IA, Online Loans in Urbandale, IA, Bad Credit Loans in Waterloo, IA, Payday Loans in West Des Moines, IA, Payday Loans in Ames, IA, Short-term Loans in Ankeny, IA, Payday Loans in Bettendorf, IA and Guaranteed Loans in Cedar Falls, 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 Plymouth, IA.

Beautiful sights of Plymouth, IA

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

50464

Are Payday Loans Legal In Plymouth, 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

Plymouth, IA payday loan calculator

Payday Loans in Plymouth, Iowa: Everything You Need to Know

Emergency expenses can arise at any time, and sometimes you don’t have the funds to cover them. This is where payday loans come in- short-term loans designed to provide immediate cash to cover unexpected expenses. While payday loans have received a bad rap in the past, they can be a valuable resource for those in need of quick cash, and they are completely legal in Iowa.

How Payday Loans Work

Payday loans are designed to be short-term solutions to emergencies. When a borrower applies for a payday loan, they can receive cash upfront, usually in the range of $100 to $500, with the understanding that they will pay it back, typically on their next payday.

To qualify for a payday loan, borrowers must have an active checking account and proof of income. The lender will then require a post-dated check or the ability to withdraw the loan amount and fees from the borrower’s account on the due date, usually 14 days after the loan is received.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have both pros and cons. Some of the benefits include:

  • Immediate cash: For those in need of quick cash, payday loans can provide funds within hours of application approval.
  • Easy qualification: Unlike traditional loans, payday loans do not require extensive credit checks, making them accessible to those with poor credit scores.
  • Convenient repayment: Payday loans are repaid automatically on the borrower’s next payday, alleviating the stress of having to make multiple payments.

However, there are also downsides to payday loans that borrowers should be aware of:

  • High fees: Payday lenders charge higher fees than traditional lenders, with fees averaging around $15 for every $100 borrowed.
  • Short repayment periods: Payday loans must be repaid within a matter of weeks, which can be challenging for those already living paycheck-to-paycheck.
  • Risk of debt: If a borrower is unable to repay the loan on time, they may be hit with additional fees and interest, leading to a cycle of debt.

Interesting Facts About Payday Loans in Plymouth, Iowa

While payday loans are legal in Iowa, there are regulations in place to protect borrowers. For example, lenders are prohibited from charging more than $15 in fees for every $100 borrowed. Additionally, loan agreements must include a statement that informs borrowers that a payday loan is a high-cost loan and should not be used as a long-term financial solution.

According to a 2018 report by the Iowa Division of Banking, there were 360 licensed payday lenders in Iowa at that time, providing 5.6 million loans to Iowa residents for an estimated $392.6 million in total loan balances.

Apply Now

If you’re in need of a payday loan in Plymouth, Iowa, TheGuaranteedLoans can help you connect with potential lenders. As a connector service, we do not provide loans directly, but instead facilitate your connection with lenders who may be able to provide the cash you need. To apply, simply fill out our easy online application.

Remember, while payday loans can be a helpful resource, they should be used sparingly and only for emergencies. Borrowers should understand all of the terms and fees associated with the loan and make sure they are able to repay it on time to avoid additional fees and potential debt.

At TheGuaranteedLoans, we are committed to providing our readers with accurate, valuable information about financial products. We hope this article has helped you better understand payday loans in Plymouth, Iowa, and how they can help you in times of need.

F.A.Q.

How much can I borrow with a payday loan in Plymouth, Iowa?

The maximum amount that you can borrow with a payday loan in Plymouth, Iowa is $500.

What are the interest rates and fees associated with payday loans in Plymouth, Iowa?

Payday loans in Plymouth, Iowa have a maximum annual percentage rate (APR) of 36%. There may also be additional fees, such as origination fees and late payment fees.