Payday Loans in Roland, Iowa

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

Company nameAddressZip codePhone number
North Iowa Community Credit Union 4063 4th St SW, Mason City, IA 50401 +1 (641) 423 - 2281
Cornerstone Financial Group 604 W Adams St 1, Creston, IA 50801 +1 (641) 782 - 5577
Advance America 115 N Ankeny Blvd, Ankeny, IA 50023 +1 (515) 963 - 9366
Iowa Falls Area Development 520 Rocksylvania Ave, Iowa Falls, IA 50126 +1 (641) 648 - 5549
Hardin County Abstract & Title 1300 Edgington Ave, Eldora, IA 50627 +1 (641) 858 - 5555
Union State Bank 214 S 1st St, Greenfield, IA 50849 +1 (641) 343 - 7310
Check Into Cash 5442 Blairs Forest Way NE, Cedar Rapids, IA 52402 +1 (319) 294 - 1514
Federation Bank 122 E Washington St, Brighton, IA 52540 +1 (319) 694 - 2821
Citizens 1st National Bank 1821 N Lake Ave, Storm Lake, IA 50588 +1 (712) 732 - 5440
First Trust & Savings Bank 123 S Main St, Wheatland, IA 52777 +1 (563) 374 - 1247

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Roland, IA, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Ankeny, IA, Payday Loan for Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loans in Cedar Rapids, IA, Payday Loans in Council Bluffs, IA, Payday Loan Without a Credit Check in Davenport, IA, Payday Loans in Des Moines, IA and Payday Loans in Dubuque, 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 Roland, IA.

Beautiful sights of Roland, IA

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

50236

Are Payday Loans Legal In Roland, 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

Roland, IA payday loan calculator

Understanding Payday Loans in Roland, Iowa

If you live in Roland, Iowa, and are facing unexpected expenses, a payday loan may seem like a good option. Payday loans are short-term loans that typically range from $100 to $500 and are meant to be repaid when the borrower receives their next paycheck.

While payday loans can provide quick cash when needed, they can also be expensive and cause a cycle of debt if not used responsibly. It’s important to consider all options before taking out a payday loan and to understand the laws and regulations specific to Iowa.

Payday Loan Laws in Iowa

In Iowa, payday loans are legal and regulated by the Iowa Division of Banking. Lenders are required to have a state license and follow specific rules and regulations, including:

  • Loans cannot exceed $500
  • Terms must be between 7 and 31 days
  • Interest rates are capped at $15 for the first $100 and $10 for each additional $100
  • Lenders cannot charge additional fees or interest

It’s important to note that lenders are not allowed to renew or roll over a loan. If a borrower is unable to repay on time, the lender must offer an extended payment plan at no additional cost.

Applying for a Payday Loan in Roland, Iowa

To apply for a payday loan in Roland, Iowa, borrowers will need to provide proof of income, a valid ID, and a checking account. Some lenders may also require proof of residence or employment.

Before applying, it’s important to shop around and compare lenders to find the best terms and rates. The Iowa Division of Banking provides a list of licensed lenders on their website.

Paying Back a Payday Loan

When taking out a payday loan, it’s important to have a plan to repay the loan on time. If a borrower is unable to repay on the due date, they may face additional fees and interest and may be reported to a credit bureau.

If a borrower is unable to repay the loan, they should contact the lender immediately to discuss a repayment plan. As mentioned earlier, lenders are required to offer extended repayment plans at no extra cost.

Facts and Statistics about Payday Loans in Roland, Iowa

– According to the Iowa Division of Banking, there were 29,631 payday loans made in Iowa in 2020, with a total loan value of $11,817,926.
– The average loan amount was $397.
– Iowa borrowers paid an average interest rate of 281% on payday loans in 2020.

Apply Now

If you’re considering a payday loan in Roland, Iowa, TheGuaranteedLoans offers a simple online application process that can connect you with potential lenders. Remember, we are a connector service, not a direct lender, and we can help you find the best terms and rates for your situation.

Conclusion

Payday loans can provide much-needed cash in an emergency, but they can also be costly and lead to a cycle of debt if not used responsibly. If you’re considering a payday loan in Roland, Iowa, be sure to understand the laws and regulations, compare lenders, and have a plan to repay the loan on time. And remember, if you need help finding a lender, TheGuaranteedLoans is here to help.

F.A.Q.

What are the consequences of taking out multiple payday loans in Roland, Iowa?

Taking out multiple payday loans in Roland, Iowa can be financially risky and lead to a cycle of debt. If you are unable to repay your loans on time, the fees and interest can quickly add up, making it difficult to break the cycle.

Can I be sued for not paying back a payday loan in Roland, Iowa?

Yes, you can be sued for not paying back a payday loan in Roland, Iowa. If you default on your loan, the lender may file a lawsuit against you to recover the outstanding debt.