Payday Loans in Thayer, Iowa

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

Company nameAddressZip codePhone number
Veridian Credit Union 704 2nd St, Coralville, IA 52241 +1 (800) 235 - 3228
Iowa State Savings Bank 401 W Adams St, Creston, IA 50801 +1 (641) 782 - 1000
EZPAWN 1344 1st Ave NE, Cedar Rapids, IA 52402 +1 (319) 286 - 8108
F & M Bank 220 W Main St, Anamosa, IA 52205 +1 (319) 462 - 6878
First State Bank 101 W Main St, Agency, IA 52530 +1 (641) 937 - 5236
First National Bank-Fairfield 100 E Burlington Ave, Fairfield, IA 52556 +1 (641) 472 - 4121
First Security 201 W Main St, Ionia, IA 50645 +1 (641) 394 - 3505
Century Bank 116 S Blossom St, Shenandoah, IA 51601 +1 (712) 246 - 2205
Fidelity Bank & Trust 309 Lombard St, Clarence, IA 52216 +1 (563) 452 - 3155
Raymond James 105 E Main St, West Union, IA 52175 +1 (563) 422 - 6250

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Thayer, IA, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Council Bluffs, IA, Payday Loans in Davenport, IA, Payday Loans in Des Moines, IA, Payday Loan Without a Credit Check in Dubuque, IA, Payday Loan for Iowa City, IA, Payday Loans in Marion, IA, No Credit Check Loans in Sioux City, IA and Payday 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 Thayer, IA.

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

50254

Are Payday Loans Legal In Thayer, 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

Thayer, IA payday loan calculator

What Are Payday Loans in Thayer, Iowa?

Payday loans are short-term loans that typically have higher interest rates than other forms of credit. These loans are designed to help people access funds quickly in order to cover unexpected expenses or emergencies. Payday loans are legal in Iowa, and Thayer residents, like many others in the state, may find them a useful tool for managing financial emergencies.

How Do Payday Loans Work in Thayer, Iowa?

Payday loans in Thayer, Iowa work similarly to those in other states. Individuals who need cash quickly can apply for a payday loan, and if they are approved, they will receive the funds directly and quickly. Typically, applicants must provide proof of employment or regular income, as well as a check or access to a checking account to cover the loan amount and any fees or interest.

Payday loans in Thayer, Iowa have a maximum loan amount of $500, and a loan term of up to 31 days. Lenders can charge a maximum of $15 for every $100 borrowed up to a loan amount of $100, and $10 for every $100 after that. This means that a $500 loan would include $75 in fees, in addition to any interest charged by the lender.

What Are the Benefits of Payday Loans in Thayer, Iowa?

There are several benefits to using payday loans in Thayer, Iowa, including:

  • Access to funds quickly
  • No collateral required
  • No credit check required
  • Funds can be used for any purpose

These benefits make payday loans a popular choice for individuals who need cash quickly and don’t have other options available to them.

What Are the Risks of Payday Loans in Thayer, Iowa?

While payday loans can be helpful in times of financial need, they also come with risks. The main risks of payday loans in Thayer, Iowa and elsewhere include:

  • High interest rates and fees
  • Short repayment terms
  • Debt traps

These risks make it important for individuals to use payday loans wisely and only when necessary. Borrowers should be aware of the interest rates and fees associated with payday loans, and should have a plan in place to repay the loan in full and on time.

Interesting Facts and Statistics About Payday Loans in Thayer, Iowa

  • The average payday loan in Iowa is $341.
  • In 2018, there were 179 licensed payday lenders operating in Iowa.
  • The Iowa Attorney General’s Office received 1,330 complaints related to payday loans in 2018.

These figures highlight the prevalence of payday loans in Iowa, and the need for individuals to be cautious when using them.

Apply Now for a Payday Loan in Thayer, Iowa

If you need cash quickly, you can apply for a payday loan through TheGuaranteedLoans website. We are a connector service, not a direct lender, and can facilitate your connection with potential lenders. To apply for a payday loan, simply fill out our online application form and we will match you with a lender who meets your needs. Remember to only borrow what you can afford to repay, and to use payday loans wisely and responsibly.

F.A.Q.

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

Yes, there are alternatives to payday loans in Thayer, 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 Thayer, 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.