Payday Loans in Sperry, Iowa

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

Company nameAddressZip codePhone number
U.S. Bank ATM - Humboldt Drive-Up in Parking Lot 701 Sumner Ave, Humboldt, IA 50548 +1 (800) 872 - 2657
Easy Cash Solutions 1165 E Locust St, Davenport, IA 52803 +1 (563) 323 - 1423
North Star Community CU 1030 S 2nd St, Cherokee, IA 51012 +1 (712) 225 - 5731
U.S. Bank ATM - Red Oak 323 E Reed St, Red Oak, IA 51566 +1 (800) 872 - 2657
A Plus Accounting and Tax 85 Sugar Creek Ln suite a, North Liberty, IA 52317 +1 (319) 409 - 7416
First Abstract & Loan Co 601 W Main St, Cherokee, IA 51012 +1 (712) 225 - 3612
Community State Bank 1812 Hwy Blvd, Spencer, IA 51301 +1 (712) 262 - 3030
Agricredit Acceptance LLC 8001 Birchwood Ct C, Johnston, IA 50131 +1 (515) 251 - 2800
EZ Money Check Cashing 266 Blairs Ferry Rd NE, Cedar Rapids, IA 52402 +1 (319) 363 - 2200
Central State Bank 102 N Main St, Elkader, IA 52043 +1 (563) 245 - 2110

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sperry, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cedar Rapids, IA, Bad Credit Loans in Council Bluffs, IA, Payday Loans in Davenport, IA, 24-Hour Loan in Des Moines, IA, Bad Credit Loans in Dubuque, IA, Payday Loans in Iowa City, IA, Payday Loans in Marion, IA and Payday Loans in Sioux 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 Sperry, IA.

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

52650

Are Payday Loans Legal In Sperry, 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

Sperry, IA payday loan calculator

Understanding Payday Loans in Sperry, Iowa

If you live in Sperry, Iowa, and are in need of fast cash, you may be considering a payday loan. Payday loans can be a helpful solution for those facing unexpected expenses or a temporary cash shortfall. However, it’s important to understand the ins and outs of payday loans to make an informed decision.

What Are Payday Loans?

A payday loan is a type of short-term loan designed to be repaid on your next payday. These loans typically have high interest rates and fees and are intended to be used as a short-term solution, not a long-term financial plan.

Are Payday Loans Legal in Iowa?

Yes, payday loans are legal in Iowa. However, there are regulations in place to protect borrowers. In Iowa, payday lenders are required to be licensed and can’t charge more than $15 in fees for every $100 borrowed.

How Do Payday Loans Work?

Applying for a payday loan is a relatively simple process. You provide the lender with proof of income, a bank account, and personal information. The lender will then give you the cash you need, minus their fees. On your next payday, the lender will automatically withdraw the loan amount plus fees from your bank account.

It’s important to note that if you can’t repay the loan on your next payday, the fees can quickly add up. This is why it’s critical to ensure you can repay the loan before taking one out.

Pros and Cons of Payday Loans

  • Pros:
    • Fast approval process
    • No credit check required
    • You can use the money for any purpose
  • Cons:
    • High interest rates and fees
    • Can lead to a cycle of debt if you can’t repay on time
    • Not a long-term solution to financial problems

Interesting Facts and Statistics About Payday Loans in Sperry, Iowa

  • In Iowa, the average payday loan is $341
  • Approximately 8.7% of Iowans have taken out a payday loan
  • The average interest rate on a payday loan in Iowa is 297%
  • In 2019, Iowa payday lenders made more than $183 million in loans

Apply Now

If you have weighed the pros and cons and feel that a payday loan is the best option for your financial situation, TheGuaranteedLoans can help. Our online platform connects borrowers with potential lenders, making it easy to find a loan that meets your needs.

Simply fill out our online application with your personal and financial information. We will then connect you with potential lenders, allowing you to choose the loan that works best for you. Remember, we are a connector service, not a direct lender.

Conclusion

While payday loans can be a helpful solution for those facing unexpected financial difficulties, they can also lead to a cycle of debt if not used wisely. When considering a payday loan, it’s important to weigh the pros and cons and ensure that you can repay the loan on time.

At TheGuaranteedLoans, we are committed to helping borrowers find loans that meet their needs while ensuring they understand the associated fees and risks. Contact us today to see how we can help you.

F.A.Q.

Can I rollover or extend a payday loan in Sperry, Iowa?

Rolling over or extending a payday loan in Sperry, Iowa is not allowed. If you are unable to repay your loan on the agreed-upon date, you may be able to work out a payment plan with your lender.

Are there any restrictions on the use of payday loan funds in Sperry, Iowa?

Yes, in Sperry, Iowa, payday loan funds must be used for personal, family, or household purposes only. They cannot be used for business or investment purposes.