Payday Loans in Prescott, Iowa

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

Company nameAddressZip codePhone number
Clinton National Bank 329 Ferry Rd, Miles, IA 52064 +1 (563) 682 - 7777
Check Into Cash 3500 Dodge St Suite 203, Dubuque, IA 52003 +1 (563) 557 - 9040
Wells Fargo Home Mortgage 102 S 2nd St, Knoxville, IA 50138 +1 (641) 842 - 7500
Worth County Abstract Co Inc 849 Central Ave, Northwood, IA 50459 +1 (641) 324 - 1761
Bank Iowa - Villisca 300 S 3rd Ave, Villisca, IA 50864 +1 (712) 826 - 2562
Boone Bank & Trust Co. 716 8th St, Boone, IA 50036 +1 (515) 432 - 6200
First State Bank 3031 5th Ave S, Fort Dodge, IA 50501 +1 (515) 573 - 5150
Advance America 626 S Monroe Ave, Mason City, IA 50401 +1 (641) 424 - 5750
United States Postal Service 130 E Main St, Fredericksburg, IA 50630 +1 (800) 275 - 8777
A+ Automotive 209 S Jefferson Way, Indianola, IA 50125 +1 (515) 962 - 5800

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Prescott, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Dubuque, IA, Payday Loans in Iowa City, IA, Online Loans in Marion, IA, Guaranteed Loans in Sioux City, IA, Payday Loans in Urbandale, IA, Payday Loan Without a Credit Check in Waterloo, IA, No Credit Check Loans in West Des Moines, IA and Online Loans in Ames, 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 Prescott, IA.

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

50859

Are Payday Loans Legal In Prescott, 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

Prescott, IA payday loan calculator

Advise to read before applying

Payday Loans in Prescott, Iowa

If you’re in need of fast cash and can’t wait until your next paycheck, a payday loan could be a solution to your financial troubles. Payday loans are a type of short-term loan that can help you cover unexpected expenses like medical bills or car repairs.

In Prescott, Iowa, payday loans are legal. However, it’s important to understand the terms and conditions of a payday loan before taking one out. Here’s what you need to know:

What is a Payday Loan?

A payday loan is a short-term loan that’s typically due on your next payday. These loans often have high interest rates and fees, making them expensive for many borrowers. The loan amount is typically based on your income and credit history, though some lenders don’t require a credit check.

How Do They Work in Prescott, Iowa?

In Prescott, Iowa, payday loans are legal, though there are some regulations in place to protect consumers. According to Iowa’s payday loan laws, lenders are limited on the amount they can loan to a borrower as well as the length of the loan term. Borrowers are also limited on the number of loans they can take out at one time and the fees lenders can charge.

What Are the Requirements to Get a Payday Loan?

To get a payday loan in Prescott, Iowa, you’ll typically need to provide proof of income and a valid form of ID. Some lenders may also require a post-dated check or access to your bank account to withdraw funds on the due date.

What Are the Pros and Cons of Payday Loans?

  • Pros:
    • Fast cash
    • No credit check required (in some cases)
    • Easy qualification process
  • Cons:
    • High interest rates and fees
    • Short repayment terms
    • Potential for debt trap

Interesting Facts and Statistics about Payday Loans in Prescott, Iowa

  • The average payday loan in Iowa is $341.
  • Payday loan borrowers in Iowa take out an average of 12 loans per year.
  • Iowa has the lowest maximum payday loan amount in the country at $500.
  • Payday loan fees in Iowa are capped at $15 for every $100 borrowed.

If you’re considering a payday loan in Prescott, Iowa, it’s important to do your research and make sure you understand the terms and conditions of the loan. Additionally, be sure to explore other options like personal loans and credit cards before taking out a payday loan.

Apply Now

If you’re ready to apply for a payday loan in Prescott, Iowa, TheGuaranteedLoans can help connect you with potential lenders. We’re a connector service, not a direct lender, and we’ll work to find the best loan option for your needs. Apply now to get started.

F.A.Q.

Can I get a payday loan if I have bad credit in Prescott, Iowa?

Yes, you can get a payday loan if you have bad credit in Prescott, Iowa. Payday lenders typically do not conduct a traditional credit check and base their decision on your income and ability to repay the loan.

How do I apply for a payday loan in Prescott, Iowa?

To apply for a payday loan in Prescott, Iowa, you can visit a storefront lender or apply online. You will need to provide proof of income, a valid government-issued ID, and a checking account in good standing.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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