Payday Loans in Spragueville, Iowa

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

Company nameAddressZip codePhone number
Maquoketa State Bank 3 Elliot St, Preston, IA 52069 +1 (563) 689 - 3535
Walmart Money Center 500 11th St SW, Spencer, IA 51301 +1 (712) 262 - 5001
Denver Savings Bank 121 S State St, Denver, IA 50622 +1 (319) 984 - 5635
DigitalMint Bitcoin ATM Teller Window 700 La Porte Rd, Waterloo, IA 50702 +1 (855) 274 - 2900
Farmers State Bank 1306 5th St, Gilbertville, IA 50634 +1 (319) 287 - 3961
United Community Bank 1006 Okoboji View Ave, Okoboji, IA 51355 +1 (712) 332 - 7717
Farmers & Merchants State Bank 101 W Jefferson St, Winterset, IA 50273 +1 (515) 462 - 4242
Farmer's Trust and Savings Bank 510 Lincoln Way St, Woodbine, IA 51579 +1 (712) 647 - 3375
Great Southern Bank 2102 Spruce Hills Dr, Bettendorf, IA 52722 +1 (563) 344 - 8960
Check Into Cash 1724 Locust St #4, Davenport, IA 52804 +1 (563) 322 - 3140

Payday Loan Companies in Nearby Cities

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

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

52074

Are Payday Loans Legal In Spragueville, 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

Spragueville, IA payday loan calculator

Payday Loans in Spragueville, Iowa: A Comprehensive Guide

Are you facing a sudden expense and need money fast? If you’re considering a payday loan in Spragueville, Iowa, it’s important to understand the regulations, benefits, and potential risks involved. This comprehensive guide will give you a clear understanding of what payday loans are, how they work in Iowa, and how to weigh the pros and cons before making a decision.

What are Payday Loans?

Payday loans are short-term loans typically used to cover unexpected expenses or emergencies. They are usually due on the borrower’s next payday, hence the name. These loans often come with high interest rates and fees, making them a costly option for borrowing money.

To apply for a payday loan, the borrower typically needs to provide proof of income, a bank account, and personal identification. In some cases, lenders may also require a post-dated check as collateral.

Payday Loans in Iowa

Payday loans are legal in Iowa, but there are certain regulations in place to protect borrowers. The maximum loan amount is $500, and the loan term cannot exceed 31 days. Lenders can charge a maximum interest rate of 15%, which is far lower than other states where payday lending is legal. Additionally, lenders are required to be licensed with the Iowa Division of Banking.

The Pros of Payday Loans

  • Quick access to cash when you need it
  • Simple application process
  • No credit check required
  • May be a better option than late fees on bills or bounced check fees

The Cons of Payday Loans

  • High fees and interest rates
  • Short loan term may not be enough time to repay the loan
  • May lead to a cycle of debt if the borrower cannot repay the loan on time
  • Not a long-term financial solution

Interesting Facts and Statistics

  • Iowa has the lowest maximum interest rate for payday loans of any state where payday lending is legal
  • The average payday loan borrower in Iowa takes out nine loans per year, according to a study by the Iowa Division of Banking
  • The average payday loan in Iowa is $273

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can be stressful. That’s why we offer a simple online application process to connect you with potential lenders in Spragueville, Iowa. As a connector service, we do not make decisions about loans or repayments. Instead, we work with reputable lenders to present you with options that suit your needs. Apply now to get access to fast cash when you need it most.

F.A.Q.

Are there any alternatives to payday loans in Spragueville, Iowa?

Yes, there are alternatives to payday loans in Spragueville, Iowa, such as small personal loans from banks or credit unions, or assistance from social service agencies.

Is there any regulation of payday loans in Spragueville, Iowa?

Yes, payday lending is regulated by the Iowa Division of Banking, which sets maximum interest rates and fees, and requires lenders to disclose all terms and conditions of the loan to the borrower.