Payday Loans in Shell Rock, Iowa

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

Company nameAddressZip codePhone number
Check Into Cash 1903 Park Ave #5020, Muscatine, IA 52761 +1 (563) 288 - 9328
Walmart Money Center 3036 1st Ave S, Fort Dodge, IA 50501 +1 (515) 576 - 7400
River Valley Credit Union 2811 E 13th St, Ames, IA 50010 +1 (515) 232 - 1654
VisionBank 201 US-69, Huxley, IA 50124 +1 (515) 597 - 4477
Home State Bank 202 3rd Ave, Royal, IA 51357 +1 (712) 933 - 5511
United States Postal Service 104 3rd St, Frederika, IA 50631 +1 (800) 275 - 8777
Morgan Stanley 822 Central Ave Suite 325, Fort Dodge, IA 50501 +1 (515) 576 - 2116
Pinnacle Bank 2206 S Center St, Marshalltown, IA 50158 +1 (641) 752 - 2393
Community Savings Bank 101 S Main St, Garnavillo, IA 52049 +1 (563) 964 - 2341
DuTrac Community Credit Union 18181 Peru Rd, Dubuque, IA 52001 +1 (563) 582 - 1331

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Shell Rock, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bettendorf, IA, Bad Credit Loans in Cedar Falls, IA, Short-term Loans in Cedar Rapids, IA, Payday Loans in Council Bluffs, IA, Payday Loan Without a Credit Check in Davenport, IA, Payday Loan Without a Credit Check in Des Moines, IA, Payday Loans in Dubuque, IA and Payday Loan Companies in Iowa City, 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 Shell Rock, IA.

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

50670

Are Payday Loans Legal In Shell Rock, 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

Shell Rock, IA payday loan calculator

Advise to read before applying

Understanding Payday Loans in Shell Rock, Iowa

Payday loans are short-term loans that can help you cover unexpected expenses until your next paycheck arrives. They have become increasingly popular due to their convenience and accessibility, especially in Shell Rock, Iowa where they are legal. However, it is important to understand the terms and conditions of a payday loan before applying for one.

How do Payday Loans Work in Shell Rock, Iowa?

When you apply for a payday loan in Shell Rock, Iowa, you will typically be required to provide proof of income and a valid ID. You will also need to provide the lender with a postdated check that covers the amount of the loan plus fees and interest.

The loan amount will be typically between $100 and $500, and the term of the loan can range from 7 to 31 days. Once approved, you will receive the loan amount in cash or via direct deposit into your bank account.

On the due date, the lender will cash your post-dated check and collect the loan amount, fees, and interest. If you are unable to repay the full amount, you may be able to roll the loan over by paying the fees and interest and taking out a new loan.

What are the Benefits and Risks of Payday Loans in Shell Rock, Iowa?

The benefits of payday loans in Shell Rock, Iowa include fast and easy access to credit, even if you have bad credit or no credit history. They also do not require collateral.

However, payday loans can also be risky. The interest rates on these loans are typically very high, ranging from 15% to 391%. If you are unable to repay the loan on time, you may be charged additional fees and interest.

In addition, rolling over a payday loan can lead to a cycle of debt that can be difficult to break. This can ultimately lead to financial stress and difficulty in paying off other bills and expenses.

What are the Requirements to Qualify for a Payday Loan in Shell Rock, Iowa?

The requirements to qualify for a payday loan in Shell Rock, Iowa, are fairly simple. You must:

  • Be at least 18 years old.
  • Have a valid ID and proof of income.
  • Have an active checking or savings account.

Interesting Facts and Statistics About Payday Loans in Shell Rock, Iowa

  • Payday loans are legal in Iowa, but the maximum loan amount is $500.
  • In 2019, Iowa had 213 licensed payday lenders operating in the state.
  • The average payday loan borrower in Iowa takes out 12 loans per year and pays an average interest rate of 268%.

Apply Now for a Payday Loan in Shell Rock, Iowa

If you are in need of fast cash to cover unexpected expenses, TheGuaranteedLoans can help connect you with potential lenders offering payday loans in Shell Rock, Iowa. Please note that we are a connector service and not a direct lender.

To apply for a payday loan, simply fill out our online application form and we will match you with lenders willing to lend to you. Our application process is fast and easy, and we provide a secure, encrypted platform to protect your personal information.

Apply now for a payday loan in Shell Rock, Iowa and get the financial assistance you need to cover your expenses.

F.A.Q.

Can I get a payday loan if I am self-employed in Shell Rock, Iowa?

Yes, you can get a payday loan if you are self-employed in Shell Rock, Iowa. You will need to provide proof of income, such as bank statements or tax returns, to qualify for a loan.

Are there any protections for borrowers who take out payday loans in Shell Rock, Iowa?

Yes, there are protections for borrowers who take out payday loans in Shell Rock, Iowa. The state government regulates the fees and interest rates that lenders can charge, and requires lenders to provide written disclosure of the terms and conditions of the loan.

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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