Payday Loans in Smithland, Iowa

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

Company nameAddressZip codePhone number
MoneyGram 1705 S 1st Ave o, Iowa City, IA 52240 +1 (319) 341 - 8300
United Bank of Iowa 201 N Center St, Lake City, IA 51449 +1 (712) 464 - 3181
Vibrant Credit Union - Clinton Branch 1330 N 2nd St, Clinton, IA 52732 +1 (563) 244 - 6506
LPI Loans 3528 Merle Hay Rd, Des Moines, IA 50310 +1 (515) 288 - 1440
Farm Credit Services of America 919 Bella Vista Dr, Carroll, IA 51401 +1 (712) 792 - 4941
Advance America 300 Main St #740, Keokuk, IA 52632 +1 (319) 524 - 6764
Check Into Cash 4013 Shopper's Blvd, Waterloo, IA 50701 +1 (877) 262 - 2274
F & M Bank 220 W Main St, Anamosa, IA 52205 +1 (319) 462 - 6878
EZPAWN 1344 1st Ave NE, Cedar Rapids, IA 52402 +1 (319) 286 - 8108
Check Into Cash 1709 N Jefferson Way Suite 300, Indianola, IA 50125 +1 (515) 639 - 3016

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Smithland, IA, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Dubuque, IA, Payday Loan Companies in Iowa City, IA, Payday Loans in Marion, IA, Payday Loans in Sioux City, IA, 24-Hour Loan in Urbandale, IA, Same Day Loans in Waterloo, IA, Payday Loans in West Des Moines, IA and Online Loans in Ames, 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 Smithland, IA.

Beautiful sights of Smithland, IA

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

51056

Are Payday Loans Legal In Smithland, 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

Smithland, IA payday loan calculator

If you’re a resident of Smithland, Iowa, and you’re in urgent need of cash to cover unexpected expenses, a payday loan may be the solution you need. In Iowa, payday loans are legal, but it’s important to understand the terms, requirements, and risks involved before you apply.

What is a Payday Loan?

Payday loans are cash advance loans that you can get quickly and easily, often within 24 hours or less. These loans are intended to provide a short-term solution if you’re in urgent need of cash before your next paycheck. Typically, payday loans have to be paid back within two to four weeks, depending on the terms of the loan.

How do Payday Loans work in Smithland, Iowa?

In Smithland, Iowa, payday lenders must be licensed by the state and follow state laws, which regulate the number of loans you can take out, the amount you can borrow, and the fees you’ll need to pay. According to Iowa laws, payday loan borrowers can take out up to $500 with a maximum term of 31 days. Loan fees can be up to $15 for the first $100 borrowed, plus $10 for each additional $100, with a maximum fee of $45 for a $300 loan.

What are the requirements for a Payday Loan?

Getting a payday loan in Smithland, Iowa, is relatively easy, and you’ll typically need to provide proof of income, such as a pay stub or other verification of employment. You’ll also need a valid ID, such as a driver’s license or passport, to verify your identity, and a checking or savings account to receive your loan funds.

The Risks of Payday Loans

While payday loans can be helpful in emergency situations, they also come with risks that borrowers need to be aware of. The interest rates for payday loans can be much higher than traditional loans, making it difficult to pay them back on time. In addition, if you can’t repay your loan on time, you may incur additional fees and penalties, which can lead to a cycle of debt that’s difficult to escape.

Interesting Facts and Statistics About Payday Loans in Smithland, Iowa

  • There are over 200 payday loan stores in Iowa, including several in Smithland, Iowa
  • The average payday loan in Iowa is $324
  • 13% of Iowans have used a payday loan or cash advance service
  • The average APR for a payday loan in Iowa is 290%
  • The maximum loan amount in Iowa is $500, and the maximum term is 31 days

Apply Now for a Payday Loan in Smithland, Iowa

If you’re in urgent need of cash and decide that a payday loan is the right solution for you, TheGuaranteedLoans website can help. Our online application process is fast and easy, and we’ll connect you with trusted lenders who can offer you the best rates and terms based on your specific needs. Remember that we are a connector service, not a direct lender, and we do not make credit decisions.

Apply now and get started on your payday loan application process today.

F.A.Q.

Can I get a payday loan if I have bad credit in Smithland, Iowa?

Yes, you can get a payday loan if you have bad credit in Smithland, Iowa. Payday lenders typically do not conduct a traditional credit check and base their decision on your income and ability to repay the loan.

How do I apply for a payday loan in Smithland, Iowa?

To apply for a payday loan in Smithland, Iowa, you can visit a storefront lender or apply online. You will need to provide proof of income, a valid government-issued ID, and a checking account in good standing.