Payday Loans in Saint Charles, Iowa

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

Company nameAddressZip codePhone number
Clinton National Bank 235 6th Ave S, Clinton, IA 52732 +1 (563) 243 - 1243
Peoples Bank 116 W State St, Jefferson, IA 50129 +1 (515) 386 - 4848
United Bank of Iowa 400 Morningside Dr, Sac City, IA 50583 +1 (712) 662 - 4114
Bent River Community Credit Union 709 E 46th St, Davenport, IA 52807 +1 (563) 391 - 2850
Farmers State Bank 99 7th St N 1447, Northwood, IA 50459 +1 (641) 324 - 2273
EZPAWN 1626 5th Ave S, Fort Dodge, IA 50501 +1 (515) 576 - 5319
Fidelity Bank & Trust 100 N Lawler St, Postville, IA 52162 +1 (563) 864 - 7615
Banta Abstract Co 108 E Washington St, Osceola, IA 50213 +1 (641) 342 - 2029
Lincoln Savings Bank 1025 Main St, Grinnell, IA 50112 +1 (641) 236 - 3121
Check Into Cash 905 4th Ave S, Denison, IA 51442 +1 (712) 263 - 8733

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Charles, IA, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Ames, IA, Short-term Loans in Ankeny, IA, Payday Loan for Bettendorf, IA, Payday Loans in Cedar Falls, IA, Quick Loan in Cedar Rapids, IA, Payday Loan Without a Credit Check in Council Bluffs, IA, Short-term Loans in Davenport, IA and Online Loans in Des Moines, 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 Saint Charles, IA.

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Are Payday Loans Legal In Saint Charles, 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

Saint Charles, IA payday loan calculator

Advise to read before applying

The Ins and Outs of Payday Loans in Saint Charles, Iowa

For residents of Saint Charles, Iowa, unexpected expenses can crop up at any time. Whether it’s a car repair or a medical bill, emergency expenses can drain your savings account, leaving you struggling to make ends meet. Fortunately, payday loans are a legal option in Iowa, and they can be a helpful tool for managing short-term cash needs.

What is a Payday Loan?

A payday loan is a short-term loan typically used to cover unexpected expenses or to bridge the gap between paychecks. The borrower is expected to repay the loan, with interest, within a few weeks or by their next payday. In Iowa, payday lenders are regulated by the state’s Division of Banking.

How Do Payday Loans Work in Iowa?

In Iowa, payday loans are legal and regulated by the state. Lenders must be licensed with the Iowa Division of Banking and follow certain guidelines. Here are some key facts to keep in mind:

  • Payday loans in Iowa are limited to $500 per loan.
  • The loan term cannot exceed 31 days.
  • Lenders can charge up to $15 in fees for every $100 borrowed.
  • Borrowers have the right to rescind a payday loan agreement within one business day.

It’s important to note that borrowers in Iowa are allowed to take out multiple payday loans, but the total amount borrowed cannot exceed $500.

The Pros and Cons of Payday Loans

Before you take out a payday loan, it’s important to weigh the benefits and drawbacks. Here are some things to consider:

Pros:

  • Easy and fast application process.
  • No credit check required.
  • Can be a helpful tool for managing short-term cash needs.

Cons:

  • High interest rates and fees.
  • Can lead to a cycle of debt if not repaid on time.
  • May not be a viable option for borrowers with low income or unstable employment.

Interesting Facts and Statistics About Payday Loans in Saint Charles, Iowa

  • In 2020, there were 175 licensed payday loan lenders in Iowa.
  • The average payday loan amount in Iowa is $341.
  • In 2019, Iowans took out 548,536 payday loans.
  • The average APR for a payday loan in Iowa is 297%.

Apply Now

TheGuaranteedLoans is a trusted online connector service that can help connect you with potential lenders. Fill out our online application today and get started on the path towards financial stability. Remember, payday loans can be a helpful tool when used responsibly, but they should not be used to finance long-term debt. Always borrow responsibly and make sure you can repay the loan on time.

F.A.Q.

Are there any restrictions on the types of fees that a payday loan lender in Saint Charles, Iowa can charge?

Yes, there are restrictions on the types of fees that a payday loan lender in Saint Charles, Iowa can charge. The lender cannot charge fees that are considered excessive or unfair, such as fees for credit insurance or other types of add-on products.

Can a payday loan lender in Saint Charles, Iowa report a borrower's delinquent loan to a credit bureau?

Yes, a payday loan lender in Saint Charles, Iowa can report a borrower's delinquent loan to a credit bureau. This can negatively impact the borrower's credit score and make it more difficult to obtain credit in the future. It is important for borrowers to make timely payments on their payday loans to avoid this outcome.

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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