Payday Loans in Saint Marys, Iowa

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

Company nameAddressZip codePhone number
Farm Credit Services of America 7419 Nordic Dr, Cedar Falls, IA 50613 +1 (319) 266 - 3551
American State Bank 809 John Wayne Dr, Winterset, IA 50273 +1 (515) 462 - 5090
Northwest Bank ATM - Iowa Central Community College 1 Triton Cir, Fort Dodge, IA 50501 +1 (800) 678 - 4105
First Whitney Bank & Trust 223 Chestnut St, Atlantic, IA 50022 +1 (712) 243 - 3195
Advance America 1821 22nd St #104, West Des Moines, IA 50266 +1 (515) 440 - 3016
United Community Bank 113 S Market St, Lake Park, IA 51347 +1 (712) 832 - 3296
Telco Triad Community Credit Union 2550 Glenn Ave, Sioux City, IA 51106 +1 (712) 276 - 0506
Pinnacle Bank 2206 S Center St, Marshalltown, IA 50158 +1 (641) 752 - 2393
EGR Insurance Inc. 300 Main St, Moville, IA 51039 +1 (712) 873 - 3455
First National Bank-Muscatine 300 E 2nd St, Muscatine, IA 52761 +1 (563) 263 - 4221

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Saint Marys, IA

Are Payday Loans Legal In Saint Marys, 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 Marys, IA payday loan calculator

Payday Loans in Saint Marys, Iowa: A Comprehensive Guide

When unexpected expenses arise, it can be challenging to find the funds to cover them. Payday loans are a popular option for those in need of quick cash. This article will provide you with all the information you need to know about payday loans in Saint Marys, Iowa.

What Are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday. These loans are designed to be a quick fix for those in need of immediate cash. They are typically smaller dollar amounts ranging from $100 to $1,000 and have higher interest rates than traditional loans.

Are Payday Loans Legal in Saint Marys, Iowa?

Yes, payday loans are legal in Iowa. Iowa has specific laws in place to protect borrowers from predatory lending practices. Payday lenders must be licensed and follow strict guidelines on loan amounts, fees, and interest rates.

How Do Payday Loans Work?

Payday loans work by providing quick access to cash. The process is simple:

  • You fill out a loan application online or at a storefront lender
  • The lender will review your application and verify your income and bank account information
  • If you are approved, the lender will provide you with the loan amount, typically within one business day
  • You repay the loan on your next payday, which includes the loan amount plus fees and interest

What Are the Requirements to Get a Payday Loan in Saint Marys, Iowa?

Each lender may have slightly different requirements, but in general, to get a payday loan in Saint Marys, Iowa, you must:

  • Be at least 18 years old
  • Have a regular source of income
  • Have an active checking account
  • Provide proof of identity

It’s essential to review the specific lender’s requirements before applying for a loan to ensure you meet all qualifications.

What Are the Fees and Interest Rates for Payday Loans in Saint Marys, Iowa?

Iowa law dictates that payday lenders can charge a maximum of $15 for the first $100 borrowed and a maximum of $10 for each additional $100. The maximum loan amount in Iowa is $500, and the loans must have a minimum term of 31 days. Interest rates can be up to 391% APR for a 14-day loan period.

What Are the Risks of Payday Loans?

While payday loans can provide quick access to cash, they come with significant risks. The high-interest rates can make repaying the loan difficult, leading to a cycle of debt. The short repayment term can also be challenging to meet, leading to additional fees and interest charges.

Additionally, some lenders engage in predatory lending practices, including hidden fees and aggressive collections practices. It’s crucial to do your research and only work with reputable lenders.

Why Choose TheGuaranteedLoans for Your Payday Loan Needs?

TheGuaranteedLoans is a connector service for those in need of payday loans. We work with a network of reputable lenders to find the best loan options for our clients. We understand that each borrower’s situation is unique and strive to find loans that meet their specific needs. Apply now to connect with potential lenders today.

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

  • Iowa has specific laws in place to protect borrowers from predatory lending practices
  • The average payday loan in Iowa is $341
  • In Iowa, the average APR for payday loans is 289%
  • Payday lenders in Iowa issued over 900,000 loans, totaling over $220 million in 2020

If you are in need of quick cash, payday loans can provide a solution. However, it’s essential to understand the fees, interest rates, and risks associated with these loans. TheGuaranteedLoans can help you find a reputable lender in Saint Marys, Iowa, that meets your needs. Apply now to get started.

Disclaimer: TheGuaranteedLoans is not a direct lender. We provide a connecting service to potential lenders. We do not control or make lending decisions. You should review all terms and conditions before making any financial decisions.

F.A.Q.

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

Taking out multiple payday loans in Saint Marys, 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 Saint Marys, Iowa?

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