Payday Loans in Shellsburg, Iowa

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

Company nameAddressZip codePhone number
Great Southern Bank 1907 1st Ave E, Newton, IA 50208 +1 (641) 792 - 6236
TruBank 1401 N Jefferson Way, Indianola, IA 50125 +1 (515) 961 - 5880
Great Western Bank 206 Broad St, Humeston, IA 50123 +1 (641) 877 - 2341
Community First 2800 220th Trail, Amana, IA 52204 +1 (319) 622 - 6359
Du Trac Community Credit Union 337 S Main St, Monticello, IA 52310 +1 (563) 652 - 4400
Jan M Spielman - Ameriprise Financial Services, LLC 722 Lake Ave N, Storm Lake, IA 50588 +1 (712) 732 - 2375
Erpelding, Voigt & Co., LLP 1801 US-71, Okoboji, IA 51355 +1 (712) 332 - 2443
Shelby County State Bank 102 Main St, Panama, IA 51562 +1 (712) 489 - 2424
Western Union Hy-vee Food Store, 640 Lincoln Way, Ames, IA 50010 +1 (515) 232 - 1961
Fidelity Bank & Trust 610 Gilbert St, Charles City, IA 50616 +1 (641) 228 - 1900

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Shellsburg, IA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Marion, IA, Payday Loans in Sioux City, IA, Payday Loans in Urbandale, IA, Payday Loans in Waterloo, IA, Short-term Loans in West Des Moines, IA, Payday Loan Without a Credit Check in Ames, IA, Payday Loan Companies in Ankeny, IA and Payday Loans in Bettendorf, 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 Shellsburg, IA.

Beautiful sights of Shellsburg, IA

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

52332

Are Payday Loans Legal In Shellsburg, 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

Shellsburg, IA payday loan calculator

Payday loans have become a popular option for individuals who need quick cash to cover unexpected bills or emergency expenses. Shellsburg, Iowa, is no exception, as many residents turn to payday loans to help make ends meet.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. These loans are designed to help individuals bridge the gap between paychecks and cover unexpected expenses.

Payday loans are typically small-dollar loans, ranging from $100 to $500, and have high interest rates and fees. In Shellsburg, Iowa, payday loans are legal, but the state has implemented regulations to protect borrowers.

Regulations in Iowa

Iowa law regulates the payday loan industry to protect consumers. Loans are limited to a maximum of $500, with a maximum fee of $15 for every $100 borrowed. Loans must also have a term of no longer than 31 days.

The state also allows a right to rescind, which means that borrowers have the right to cancel a payday loan within a certain timeframe without penalty. This is typically 48 hours, though it can vary by lender.

It’s important to note that payday loans are not a long-term financial solution and should only be used in the short term. Borrowers should be aware of the fees and interest rates associated with these loans and make sure they can repay the loan in full by the due date.

The Payday Loan Process in Shellsburg, Iowa

The payday loan process in Shellsburg, Iowa, is similar to the process in other states. Borrowers can apply for a payday loan online or in person at a lender’s storefront location. The application will require personal and financial information, as well as proof of income and employment.

Once the application is submitted, the lender will review the information and make a decision on whether or not to approve the loan. If approved, the borrower will receive the funds as soon as the next business day.

The loan will be due on the borrower’s next payday, and the lender will typically automatically withdraw the amount borrowed plus fees from the borrower’s bank account. If the borrower cannot repay the loan in full, they may be able to work out a payment plan with the lender.

Benefits of Payday Loans in Shellsburg, Iowa

Payday loans can provide short-term financial relief to individuals who are in need of quick cash. They are a popular option because they have a fast application process and can provide funds quickly. Additionally, payday loans are available to individuals with poor credit, as lenders typically do not require a credit check.

However, borrowers should be aware of the high fees and interest rates associated with these loans. They should also make sure they can repay the loan in full by the due date to avoid additional fees and potential damage to their credit score.

Apply Now!

If you’re in need of quick cash in Shellsburg, Iowa, consider applying for a payday loan through TheGuaranteedLoans. As a connector service, we can help connect you with potential lenders who may be able to provide you with the funds you need. Our application process is simple and quick, and we work with a wide network of lenders to help find the right loan for you.

Remember, payday loans should only be used in the short term and should be repaid as soon as possible to avoid additional fees and potential damage to your credit score. Apply now to see if you qualify for a payday loan through TheGuaranteedLoans.

Interesting Facts and Statistics

  • The average payday loan in Iowa is $374, with an APR of 289 percent.
  • In 2019, payday lenders in Iowa issued over 560,000 loans, totaling over $220 million.
  • Payday lending is banned in 15 states and the District of Columbia.

Conclusion

Payday loans can be a useful tool for individuals who need quick cash to cover emergency expenses. In Shellsburg, Iowa, payday loans are legal and regulated to protect consumers. However, borrowers should be aware of the high fees and interest rates associated with these loans and make sure they can repay the loan in full by the due date. If you’re in need of a payday loan in Shellsburg, consider applying through TheGuaranteedLoans to be connected with potential lenders who may be able to provide you with the funds you need.

F.A.Q.

Can I get a payday loan if I have a bankruptcy in Shellsburg, Iowa?

It may be possible to get a payday loan if you have a bankruptcy in Shellsburg, Iowa, as payday lenders do not typically conduct a traditional credit check. However, you will still need to provide proof of income and a checking account in good standing to qualify for a loan.

Can I get a payday loan if I am a military member in Shellsburg, Iowa?

Yes, you can get a payday loan if you are a military member in Shellsburg, Iowa. However, military members are protected by the Military Lending Act, which limits the fees and interest rates that lenders can charge on loans to military members and their families.