Payday Loans in Stanley, Iowa

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

Company nameAddressZip codePhone number
Advance America 3653 1st Ave SE Ste. 9, Cedar Rapids, IA 52403 +1 (319) 362 - 3380
Dupaco Community Credit Union 185 Peosta St, Peosta, IA 52068 +1 (800) 373 - 7600
Bank Iowa - Villisca 300 S 3rd Ave, Villisca, IA 50864 +1 (712) 826 - 2562
TIAA Financial Services 2713 Stange Rd Suite 105, Ames, IA 50010 +1 (866) 904 - 7803
Check `n Go 2313 Logan Ave, Waterloo, IA 50703 +1 (319) 327 - 5366
Waukon State Bank 22 W Main St, Waukon, IA 52172 +1 (563) 568 - 3451
Northwestern Bank 122 Central Ave NW, Orange City, IA 51041 +1 (712) 737 - 4911
Raymond James 105 E Main St, West Union, IA 52175 +1 (563) 422 - 6250
Kirk Huehn - State Farm Insurance Agent 318 Main St Ste 1, Manning, IA 51455 +1 (712) 655 - 3201
AutoSmart 1005 E View Ave, Okoboji, IA 51355 +1 (712) 336 - 3333

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Stanley, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Ames, IA, Guaranteed Loans in Ankeny, IA, No Credit Check Loans in Bettendorf, IA, Payday Loan Without a Credit Check in Cedar Falls, IA, Payday Loan for Cedar Rapids, IA, Guaranteed Loans in Council Bluffs, IA, Payday Loans in Davenport, IA and Payday Loans in Des Moines, 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 Stanley, IA.

Beautiful sights of Stanley, IA

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

50671

Are Payday Loans Legal In Stanley, 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

Stanley, IA payday loan calculator

Payday Loans in Stanley, Iowa: All You Need to Know

If you’re experiencing a financial emergency in Stanley, Iowa, you may be considering taking out a payday loan. Payday loans offer a quick and easy way to get cash when you need it, but they can also come with high fees and interest rates, leading some to believe they’re predatory and should be avoided. In this article, we’ll explore payday loans in Stanley, Iowa, how they work, and what you should consider before taking one out.

How Do Payday Loans Work in Stanley, Iowa?

In Iowa, payday lending is legal, and there are several licensed payday loan companies that operate in Stanley. Payday loans are short-term loans that typically have to be repaid on your next payday. The amount you can borrow varies by lender but is generally limited to $500 or less. To apply for a payday loan, you will need to provide proof of income, a valid ID, and a bank account.

The loan process is relatively quick, and you can often get the money you need within a day. But be aware that payday loans come with high interest rates and fees, making them an expensive option. For example, in Stanley, Iowa, interest rates can be as high as 433% APR on a 14-day loan. That means if you borrow $100, you may owe over $150 after two weeks.

What Should You Consider Before Taking Out a Payday Loan in Stanley, Iowa?

Before taking out a payday loan, there are several factors you should consider. First, ask yourself if you really need the loan. If you can wait until your next paycheck or find another way to get the money you need, it may be a better option. Additionally, consider the cost of the loan. Payday loans are expensive, so be sure you can afford the fees and interest before taking one out. Finally, look for a licensed lender with a good reputation and read the loan terms carefully to ensure you understand what you’re getting into.

Interesting Facts About Payday Loans in Stanley, Iowa

  • According to the Iowa Division of Banking, there were 1,279 licensed payday loan stores in the state as of 2020.
  • Iowa law requires payday lenders to obtain a license, follow state regulations, and disclose all loan terms to borrowers.
  • The average payday loan in Iowa is $305, and the average borrower takes out eight loans per year.

Apply Now

If you’ve considered the costs and risks of a payday loan and have decided it’s the right option for you, TheGuaranteedLoans can help. We’re a loan connector service, not a direct lender, and we work with a network of reputable lenders who may be able to provide you with a loan. To get started, simply fill out our online application, and we’ll connect you with a lender that best fits your needs.

Remember, payday loans are expensive and should only be used in an emergency. Consider all your options before taking out a loan, and never borrow more than you can afford to repay.

F.A.Q.

Are there any restrictions on the types of fees that a payday loan lender in Stanley, Iowa can charge?

Yes, there are restrictions on the types of fees that a payday loan lender in Stanley, Iowa can charge. The lender cannot charge fees that are considered excessive or unfair, such as fees for credit insurance or other types of add-on products.

Can a payday loan lender in Stanley, Iowa report a borrower's delinquent loan to a credit bureau?

Yes, a payday loan lender in Stanley, Iowa can report a borrower's delinquent loan to a credit bureau. This can negatively impact the borrower's credit score and make it more difficult to obtain credit in the future. It is important for borrowers to make timely payments on their payday loans to avoid this outcome.