Payday Loans in South English, Iowa

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

Company nameAddressZip codePhone number
Check `n Go 3424 Merle Hay Rd, Des Moines, IA 50310 +1 (515) 334 - 0044
Success Bank 112 N Main St, Moulton, IA 52572 +1 (641) 642 - 3219
Chec King Payday Advance 2222 E 53rd St #4, Davenport, IA 52807 +1 (563) 355 - 4059
Hoenig Fred J CPA 508 15th St 2, Fort Madison, IA 52627 +1 (319) 372 - 3587
Check Into Cash 2744 University Ave University Ave, Waterloo, IA 50701 +1 (319) 236 - 3760
Home Trust & Savings Bank 628 Main St, Osage, IA 50461 +1 (641) 732 - 3763
Fidelity Bank & Trust 300 N 2nd St, Bellevue, IA 52031 +1 (563) 872 - 5515
Peoples Bank Lacona 113 E Main St, Lacona, IA 50139 +1 (641) 534 - 3111
U.S. Bank Branch 113 Broadway St, Carson, IA 51525 +1 (712) 484 - 2253
Iowa Prairie Bank 240 Linn St, Brunsville, IA 51008 +1 (712) 533 - 6441

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in South English, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cedar Falls, IA, Online Loans in Cedar Rapids, IA, Payday Loan Without a Credit Check in Council Bluffs, IA, Guaranteed Loans in Davenport, IA, Payday Loans in Des Moines, IA, Payday Loan Companies in Dubuque, IA, Payday Loans in Iowa City, IA and Payday Loan for Marion, 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 South English, IA.

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

52335

Are Payday Loans Legal In South English, 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

South English, IA payday loan calculator

A payday loan, also known as a cash advance, is a small loan that typically must be repaid on the borrower’s next payday. In South English, Iowa, payday loans are legal, but they do come with some regulations that borrowers should be aware of.

Regulations

In Iowa, the maximum amount that can be borrowed through a payday loan is $500. The loan term cannot exceed 31 days, and the annual percentage rate (APR) cannot exceed 15 percent for the first $100 borrowed, 10 percent for the remaining amount up to $250, and 7.5 percent for the remaining amount up to $500.

Borrowers may only take out one loan at a time from a given lender, and lenders cannot charge more than $15 for a $100 loan. There is also a database in Iowa that tracks payday loans, which means lenders must check the database to ensure a borrower doesn’t have more than one outstanding loan at a time.

Benefits of Payday Loans

Payday loans can be helpful for those who need cash quickly. They are typically easy to obtain, and lenders don’t usually require a credit check. This can be especially beneficial for those who have poor or no credit. Additionally, payday loans can be useful in emergency situations, such as when a vehicle needs repairs or a medical bill needs to be paid.

Drawbacks of Payday Loans

While payday loans can be helpful in some situations, they also come with some drawbacks. One of the main drawbacks is the high interest rates and fees. This can make it difficult for borrowers to repay the loan on time and can lead to a cycle of debt. Additionally, lenders may encourage borrowers to take out bigger loans than they need, which can make it even harder to repay.

Interesting Facts and Statistics

  • According to Iowa law, lenders cannot pursue criminal action against borrowers who default on payday loans.
  • In Iowa, the average payday loan is approximately $320.
  • The payday loan industry generates over $50 billion in revenue each year.
  • On average, payday loan borrowers roll over their loans eight times per year.

Apply Now

If you’re in need of a payday loan in South English, Iowa, TheGuaranteedLoans can help. As a connector service, we work with a network of potential lenders to help you find a loan that meets your needs. Simply fill out our online application to get started. Remember, payday loans should be used sparingly and only in emergency situations. Be sure to read all terms and conditions carefully before accepting a loan offer.

F.A.Q.

What is a payday loan in South English, Iowa?

A payday loan is a short-term, high-interest loan that is intended to be repaid on the borrower's next payday.

How do I qualify for a payday loan in South English, Iowa?

To qualify for a payday loan in South English, Iowa, you must be at least 18 years old, have a regular source of income, and have an active checking account.