Payday Loans in Randalia, Iowa

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

Company nameAddressZip codePhone number
Wells Fargo Bank 1224 1st Ave, Perry, IA 50220 +1 (515) 465 - 7310
Iowa State Bank 17 W 2nd St, Remsen, IA 51050 +1 (712) 786 - 1143
Ascentra Credit Union 949 Mississippi View Ct, Le Claire, IA 52753 +1 (563) 355 - 0152
United Bank of Iowa 116 N Kiel St, Holstein, IA 51025 +1 (712) 368 - 4502
State Central Bank 116 S Main St, Stockport, IA 52651 +1 (319) 796 - 4660
Frontier Bank 323 Main St, Little Rock, IA 51243 +1 (712) 479 - 2286
Central Bank 2 W Bow Dr, Cherokee, IA 51012 +1 (712) 225 - 5726
Peoples Bank Indianola 400 E Iowa Ave, Indianola, IA 50125 +1 (515) 962 - 1400
Advance America 300 Main St #740, Keokuk, IA 52632 +1 (319) 524 - 6764
TruBank 1401 N Jefferson Way, Indianola, IA 50125 +1 (515) 961 - 5880

Payday Loan Companies in Nearby Cities

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

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

52164

Are Payday Loans Legal In Randalia, 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

Randalia, IA payday loan calculator

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

When unexpected expenses come up, many people turn to payday loans for help. These short-term loans can be a valuable resource for those facing financial difficulties in Randalia, Iowa, and across the United States. However, it is essential to understand the risks and benefits of these loans before applying.

What are Payday Loans?

Payday loans are small, short-term loans that borrowers take out with the promise of repaying the loan with their next paycheck. These loans are typically for a few hundred dollars or less and come with high interest rates and fees. The loan amount and fees are due in full on the borrower’s next payday or within a few weeks, depending on the terms of the loan.

Payday loans are a common way for individuals with poor credit or limited resources to access funds quickly. Many lenders do not require a credit check or collateral, making payday loans an attractive option for those who cannot qualify for other types of loans.

Are Payday Loans Legal in Iowa?

Yes, payday loans are legal in Iowa. The state regulates payday loan lenders and requires them to follow specific rules and regulations to protect consumers. These regulations include restrictions on the loan amount, fees, and repayment terms.

The Pros and Cons of Payday Loans

Before taking out a payday loan, it is crucial to weigh the advantages and disadvantages of this type of lending. Here are some of the pros and cons.

Pros:

  • Quick access to funds
  • No credit or collateral requirements
  • Easy application process
  • Can help build credit if payments are made on time

Cons:

  • High interest rates and fees
  • Short repayment terms
  • Can lead to a cycle of debt
  • Unregulated lenders may engage in predatory practices

Interesting Facts and Statistics about Payday Loans in Randalia, Iowa

According to a study by the Iowa Division of Banking, the average payday loan in Iowa is $323. The average fee for a two-week loan is $55, resulting in an annual percentage rate (APR) of 273 percent. In 2019, Iowa residents took out over 580,000 payday loans, totaling over $220 million. The majority of payday loan borrowers in Iowa are white females between the ages of 25 and 44.

Apply Now and Connect with Potential Lenders

If you are considering a payday loan in Randalia, Iowa, TheGuaranteedLoans can help you connect with potential lenders. We are a connector service, not a direct lender, and we work with a network of reputable lenders who abide by state and federal regulations. Applying with TheGuaranteedLoans is quick and easy, and we do not require a credit check.

Visit our website today to fill out an online application, and one of our representatives will be in touch with you shortly. Remember to read the terms and conditions carefully before agreeing to a loan, and only borrow what you can afford to repay on time.

Conclusion

Payday loans can be a helpful tool for those facing financial difficulties in Randalia, Iowa, and other parts of the country. However, these loans come with high interest rates and fees and can lead to a cycle of debt if not managed wisely. It is essential to carefully consider the risks and benefits of payday loans before applying and to only borrow what you can afford to repay on time. Reach out to TheGuaranteedLoans to connect with potential lenders and get started on your loan application today.

F.A.Q.

Can a payday loan lender in Randalia, Iowa charge a penalty for early repayment of the loan?

No, a payday loan lender in Randalia, Iowa cannot charge a penalty for early repayment of the loan. In fact, borrowers are encouraged to pay off their loans as soon as possible to avoid high interest charges.

Is there a minimum loan term for payday loans in Randalia, Iowa?

Yes, the minimum loan term for payday loans in Randalia, Iowa is 14 days. However, lenders can offer longer loan terms if they choose to do so.