Payday Loans in Searsboro, Iowa

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

Company nameAddressZip codePhone number
Advance America 1821 22nd St STE 104, West Des Moines, IA 50266 +1 (515) 440 - 3016
Hometown Cash Advance 3416 Pennsylvania Ave #4, Dubuque, IA 52002 +1 (563) 582 - 8200
Farm Credit Services of America 46429 235 Trail, Chariton, IA 50049 +1 (641) 774 - 8437
Ag Resource Management 909 W 16th St, Pella, IA 50219 +1 (641) 569 - 8211
Mister Money USA 1344 1st Ave NE, Cedar Rapids, IA 52402 +1 (319) 286 - 8108
J & R Tax Services 8 E 5th St, Atlantic, IA 50022 +1 (712) 243 - 5028
BTC Bank 2090 E Main St, Lamoni, IA 50140 +1 (641) 784 - 7300
MidWestOne Bank 112 N Main St, Sigourney, IA 52591 +1 (641) 622 - 2381
MidWestOne Bank 2600 Rockdale Rd, Dubuque, IA 52003 +1 (563) 583 - 5757
United Bank of Iowa 115 E Main St, Anthon, IA 51004 +1 (712) 373 - 5224

Payday Loan Companies in Nearby Cities

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

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

50242

Are Payday Loans Legal In Searsboro, 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

Searsboro, IA payday loan calculator

Understanding Payday Loans in Searsboro, Iowa

Payday loans are a popular choice for many people who find themselves in a financial bind between paychecks. If you are in Searsboro, Iowa, and you’re looking for a quick and easy way to get money, a payday loan may be a good option for you. Unlike traditional loans, payday loans are designed to be repaid within a short period, usually two weeks or less.

How Do Payday Loans Work in Searsboro, Iowa?

Payday loans are legal in Iowa, so you can apply for a loan at any payday lending stores or online lenders. The application process is quick and easy, and you can usually get approved on the same day. To apply, you need to meet the lender’s requirements, such as:

  • Being at least 18 years old
  • Having a valid state-issued ID
  • Proof of income
  • A bank account

Once you have applied and been approved, the lender will give you the cash you need. You will then need to repay the loan, plus any interest and fees, on your next payday. If you cannot pay the loan on time, you may be able to get an extension or roll over the loan, but this will likely come with additional fees.

The Pros and Cons of Payday Loans in Searsboro, Iowa

Payday loans can be a great option for those who need cash quickly and do not want to go through the traditional loan application process. However, like any type of loan, payday loans come with their own set of advantages and disadvantages.

One advantage of payday loans is that they are a quick and easy way to get cash. Unlike traditional loans, there is usually no credit check required, and you can get approved in a matter of minutes. Additionally, the requirements are usually minimal, so almost anyone can qualify for a payday loan.

On the other hand, payday loans can also be expensive, with high fees and interest rates. Since the loan is designed to be repaid within a short period, the interest can add up quickly if you cannot pay the loan on time. Additionally, if you roll over the loan, you will incur additional fees, which can make the loan even more expensive.

Facts and Statistics About Payday Loans in Searsboro, Iowa

  • According to the Iowa Division of Banking, there were 2,273,736 payday loans made in Iowa in 2019.
  • The average payday loan amount in Iowa is $341.
  • The maximum amount you can borrow through a payday loan in Iowa is $500.
  • The interest rate on payday loans in Iowa is capped at 15% on the first $100 borrowed and 10% on the remaining balance up to $500.

Apply Now

If you are in Searsboro, Iowa and you need a payday loan, TheGuaranteedLoans can help. We are a connector service that can connect you with potential lenders. Simply fill out our online application, and we will match you with lenders that can meet your needs. Remember, we are not a direct lender, and we do not make credit decisions. Our mission is to help you find the right lender for your needs.

Payday loans can be a good option for those in need of quick cash, but it’s important to understand the terms of the loan before you apply. Be sure to read the fine print and understand the fees and interest rates associated with the loan.

In Conclusion

Payday loans can be a great way to get cash quickly, but they can also be expensive. If you are considering a payday loan in Searsboro, Iowa, make sure you understand the terms of the loan and the potential costs associated with it. Remember, TheGuaranteedLoans can help connect you with potential lenders, but it’s important to do your research and make sure the loan is right for you.

F.A.Q.

Are there any alternatives to payday loans in Searsboro, Iowa?

Yes, there are alternatives to payday loans in Searsboro, Iowa, such as small personal loans from banks or credit unions, or assistance from social service agencies.

Is there any regulation of payday loans in Searsboro, Iowa?

Yes, payday lending is regulated by the Iowa Division of Banking, which sets maximum interest rates and fees, and requires lenders to disclose all terms and conditions of the loan to the borrower.