Payday Loans in Randolph, Iowa

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

Company nameAddressZip codePhone number
Du Trac Community Credit Union 337 S Main St, Monticello, IA 52310 +1 (563) 652 - 4400
Vibrant Credit Union - Clinton Branch 1330 N 2nd St, Clinton, IA 52732 +1 (563) 244 - 6506
Banta Abstract Co 108 E Washington St, Osceola, IA 50213 +1 (641) 342 - 2029
Bankhaus 4304 220th Trail, Amana, IA 52203 +1 (319) 622 - 4287
Check Into Cash 1903 Park Ave #5020, Muscatine, IA 52761 +1 (563) 288 - 9328
Payday Express 2133 W Broadway #200, Council Bluffs, IA 51501 +1 (712) 322 - 4020
Century Bank 116 S Blossom St, Shenandoah, IA 51601 +1 (712) 246 - 2205
Walmart Money Center 324 W Agency Rd, West Burlington, IA 52655 +1 (319) 753 - 6526
Fidelity Bank & Trust 610 Gilbert St, Charles City, IA 50616 +1 (641) 228 - 1900
Great Western Bank 206 Broad St, Humeston, IA 50123 +1 (641) 877 - 2341

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Randolph, IA, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in West Des Moines, IA, Payday Loans in Ames, IA, Payday Loans in Ankeny, IA, Guaranteed Loans in Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loan Companies in Cedar Rapids, IA, Payday Loans in Council Bluffs, IA and Payday Loans in Davenport, 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 Randolph, IA.

Beautiful sights of Randolph, IA

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

51649

Are Payday Loans Legal In Randolph, 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

Randolph, IA payday loan calculator

Payday Loans in Randolph, Iowa

Payday loans are a popular short-term financial option for people who need quick cash to cover emergency expenses. These loans are usually given in small amounts and typically have to be paid back with interest on the borrower’s next payday. If you’re a resident of Randolph, Iowa, and you’re considering taking out a payday loan, here’s everything you need to know.

How Payday Loans Work

Payday loans are designed to be a quick and easy solution for people who need cash fast. Usually, you’ll have to fill out an application and provide proof of income as well as a valid ID. If you’re approved, you’ll be given cash on the spot, which you can use to cover your expenses.

The loan amount you’ll be able to borrow will depend on your income and credit history. Typically, payday loans range from $100 to $1000 and have to be paid back within two to four weeks.

Payday Loan Regulations in Randolph, Iowa

Payday loans are legal in Iowa, but the state has implemented strict regulations to protect consumers. For instance, lenders are required to limit the loan amount to $500 or less, and the interest rate cannot exceed 15% per $100 borrowed. Additionally, borrowers are allowed to take out a maximum of two loans at a time, and they have to wait at least 24 hours after paying off a loan before they can take out another one.

If you’re considering taking out a payday loan in Randolph, Iowa, make sure you choose a licensed lender who abides by these regulations. The lender should be transparent about the fees and interest rates and should provide you with a clear explanation of the loan terms.

The Pros and Cons of Payday Loans

Like any other financial product, payday loans have both advantages and disadvantages. Here are some of the pros and cons of taking out a payday loan:

Pros:

  • Quick access to cash
  • Minimal requirements
  • No credit check
  • Flexibility in how you use the loan

Cons:

  • High-interest rates and fees
  • Short repayment terms
  • May lead to a cycle of debt
  • May not be available in all states

Before taking out a payday loan, make sure you weigh these pros and cons carefully and consider if this is the best option for your current financial situation.

Interesting Facts about Payday Loans in Randolph, Iowa

  • As of 2021, there are over 200 licensed payday loan lenders in Iowa.
  • The average payday loan amount in Iowa is $320.
  • Approximately 12% of Iowans have taken out a payday loan in the past five years.
  • Iowa was one of the first states to implement payday loan regulations to protect consumers.

Apply Now

If you need quick cash and you’re considering taking out a payday loan, TheGuaranteedLoans can help. We’re a connector service that can connect you with potential payday lenders in Randolph, Iowa. Our online application process is quick and easy, and we’ll match you with lenders who are willing to work with your credit situation.

Keep in mind that TheGuaranteedLoans is not a direct lender, and we don’t make lending decisions. We’re here to facilitate your connection with potential lenders and help you find the best loan options available.

Conclusion

Payday loans can be a useful financial tool for those who need it. However, before taking out a payday loan, it’s important to understand the fees, interest rates, and repayment terms. Payday loans should be used responsibly, and borrowers should make sure they can afford to pay back the loan in full on time. If you’re considering taking out a payday loan in Randolph, Iowa, make sure you choose a licensed lender and use TheGuaranteedLoans to find the best loan options available.

F.A.Q.

Are there any restrictions on the number of times a borrower can renew a payday loan in Randolph, Iowa?

Yes, in Randolph, Iowa, a borrower can only renew a payday loan twice. After the second renewal, the borrower must pay off the loan in full or enter into a payment plan with the lender.

Can a payday loan lender in Randolph, Iowa provide a borrower with a grace period before repayment is due?

Yes, a payday loan lender in Randolph, Iowa can provide a borrower with a grace period before repayment is due. However, the lender is not required to do so, and the length of the grace period is at the discretion of the lender.