Payday Loans in Shannon City, Iowa

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

Company nameAddressZip codePhone number
Erpelding, Voigt & Co., LLP 1801 US-71, Okoboji, IA 51355 +1 (712) 332 - 2443
Farmers & Merchants Savings 200 N Devoe St, Lone Tree, IA 52755 +1 (319) 629 - 4222
Central State Bank 109 W Main St, State Center, IA 50247 +1 (641) 483 - 2505
Great Western Bank 501 Pioneer Ave, Oakland, IA 51560 +1 (712) 482 - 6457
Advance America 4502 Avenue O, Ste 1 & 2, Fort Madison, IA 52627 +1 (319) 372 - 4302
Great Southern Bank 210 NE Delaware Ave, Ankeny, IA 50021 +1 (515) 964 - 5626
Advance America 1019 S Grand Ave Ste. 1, Spencer, IA 51301 +1 (712) 262 - 3949
First Security 101 E Main St, Aredale, IA 50605 +1 (641) 894 - 3338
West Okoboji Pawn 1508 Terrace Park Blvd, Milford, IA 51351 +1 (712) 332 - 5302
EZ Money Check Cashing 3606 N Brady St, Davenport, IA 52806 +1 (563) 445 - 1075

Payday Loan Companies in Nearby Cities

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

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

50861

Are Payday Loans Legal In Shannon City, 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

Shannon City, IA payday loan calculator

Advise to read before applying

Payday Loans in Shannon City, Iowa: A Comprehensive Guide

If you find yourself in a financial bind, payday loans are a short-term solution that can help you pay your bills and afford necessary expenses. In Shannon City, Iowa, payday loans are legal, which means that you have access to a reliable and efficient solution that can help ease your financial worries. In this article, we’ll explore everything you need to know about payday loans in Shannon City, Iowa, from the application process to the legalities and requirements.

How do Payday Loans work?

Payday loans are essentially short-term loans that are meant to be used for immediate, emergency cash needs. They are issued by lenders who rely on a borrower’s employment and previous payroll records as proof of ability to repay the loan. The idea is that the borrower will be able to pay back the loan when they receive their next paycheck, usually within two to four weeks. These loans can be a quick and easy way to get cash when you need it; however, the interest rates can be extremely high, which means that you’ll pay more over the life of the loan.

Are Payday Loans Legal in Shannon City, Iowa?

Yes, payday loans are legal in Shannon City, Iowa. However, there are some regulations that lenders must follow to ensure that borrowers are protected. For example, the maximum amount of a payday loan is $500, and borrowers cannot have more than one loan at a time. Additionally, lenders are required to provide a clear and concise written agreement stating the fees and interest rates for the loan.

Requirements for Payday Loans in Shannon City, Iowa

To apply for a payday loan in Shannon City, Iowa, you must meet certain requirements. These typically include the following:

  • Must be at least 18 years old
  • Must be a U.S. citizen or permanent resident
  • Must have a steady source of income
  • Must have an active checking account
  • Must provide proof of income

What are the fees and interest rates for Payday Loans in Shannon City?

The fees and interest rates for payday loans in Shannon City, Iowa can vary depending on the lender. However, the state of Iowa has set limits on the fees that lenders can charge. Lenders can charge up to $15 on the first $100 loaned, and up to $10 on subsequent $100 loans. The maximum interest rate that can be charged is 433% on a 14-day loan. It’s important to carefully review the loan agreement and understand the fees and interest rates before agreeing to the loan.

Interesting Facts and Statistics about Payday Loans in Shannon City, Iowa

  • In 2020, the total number of payday loan establishments in Iowa was 190
  • The average payday loan in Iowa was $341 in 2020
  • Approximately 13% of adults in Iowa have taken out a payday loan
  • Payday loans have an average interest rate of 391% in Iowa

Apply Now for a Payday Loan in Shannon City, Iowa

If you’re in a financial bind and need a payday loan in Shannon City, Iowa, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, which means that we can help simplify the application process and provide fast and easy access to emergency cash. With our online application process, you can fill out an application from the comfort of your own home.

Conclusion:

Payday loans can be a lifesaver in situations where you need emergency cash. In Shannon City, Iowa, these loans are legal and accessible to those who meet the requirements. However, it’s important to carefully review the loan agreement and understand the fees and interest rates before agreeing to a loan. If you need help finding a payday loan in Shannon City, TheGuaranteedLoans can help simplify the process and connect you with potential lenders.

F.A.Q.

Can a payday loan lender in Shannon City, Iowa charge a fee for a bounced check or declined automatic payment?

Yes, a payday loan lender in Shannon City, Iowa can charge a fee for a bounced check or declined automatic payment. The exact fee will vary by lender, so it is important for borrowers to carefully read and understand their loan agreement before signing.

Can a borrower in Shannon City, Iowa be charged a fee for extending or renewing a payday loan?

Yes, a borrower in Shannon City, Iowa can be charged a fee for extending or renewing a payday loan. The exact fee will vary by lender, so it is important for borrowers to carefully read and understand their loan agreement before signing.

Look for Short-Term Loans in Other Cities:

Ames Ankeny Bettendorf Cedar Falls Cedar Rapids Council Bluffs Davenport Des Moines Dubuque Iowa City Marion Ottumwa Sioux City Urbandale Waterloo West Des Moines
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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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