Payday Loans in Toeterville, Iowa

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

Company nameAddressZip codePhone number
Dubuque Bank & Trust Co 8554 Kapp Dr, Peosta, IA 52068 +1 (563) 583 - 3978
State Central Bank 601 Main St, Keokuk, IA 52632 +1 (319) 524 - 1021
Check Into Cash 2040 Edgewood Rd SW #100, Cedar Rapids, IA 52404 +1 (319) 396 - 6027
EZ Money Check Cashing 3301 Pennsylvania Ave 103, Dubuque, IA 52002 +1 (563) 582 - 3770
Pinnacle Bank 2206 S Center St, Marshalltown, IA 50158 +1 (641) 752 - 2393
Pocahontas Abstract Company 232 N Main St, Pocahontas, IA 50574 +1 (712) 335 - 3670
BTC Bank 2090 E Main St, Lamoni, IA 50140 +1 (641) 784 - 7300
Central Bank 4848 86th St, Urbandale, IA 50322 +1 (515) 309 - 5102
Farm Credit Services of America 2125 W 20th St S, Newton, IA 50208 +1 (641) 792 - 9403
First National Bank In Creston 101 W Adams St, Creston, IA 50801 +1 (877) 782 - 2195

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Toeterville, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Iowa City, IA, Payday Loans in Marion, IA, Same Day Loans in Sioux City, IA, Payday Loans in Urbandale, IA, Payday Loans in Waterloo, IA, Online Loans in West Des Moines, IA, Online Loans in Ames, IA and Payday Loans in Ankeny, 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 Toeterville, IA.

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

50481

Are Payday Loans Legal In Toeterville, 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

Toeterville, IA payday loan calculator

Introduction

Payday loans can be a lifesaver for those in need of immediate cash. These loans are designed to provide financial relief to borrowers facing unexpected expenses or emergencies. In Toeterville, Iowa, payday loans are legal and regulated by the state. However, borrowers must exercise caution when taking out these loans to avoid falling into a cycle of debt.

How do payday loans work in Toeterville, Iowa?

Payday loans in Toeterville, Iowa, are similar to those in other states. Borrowers can apply for a loan of up to $500 and repay it on their next payday. To qualify for a payday loan, borrowers must have a steady income and provide proof of their ability to repay the loan.

The interest rates for payday loans in Toeterville, Iowa, are regulated by the state. Lenders can charge a maximum interest rate of $15 for every $100 borrowed. Borrowers can also be charged additional fees for loan processing and administration. These fees must also be disclosed upfront to avoid any surprises.

Pros of payday loans in Toeterville, Iowa

  • Quick approval process: payday loans are designed to provide borrowers with immediate financial relief. The application process is simple, and approvals are granted within minutes of applying.
  • No credit check: payday lenders do not require borrowers to have a good credit score to apply for a loan. This makes payday loans ideal for those with poor credit.
  • Flexible repayment options: payday loans are short-term loans, and borrowers can repay them on their next payday. This makes them ideal for those facing unexpected expenses or emergencies.

Cons of payday loans in Toeterville, Iowa

  • High-interest rates: payday loans can be expensive, and borrowers can end up paying a significant amount in interest and fees.
  • Risk of debt: payday loans are designed to be short-term loans, and borrowers must repay them on their next payday. However, some borrowers may find it difficult to repay the loan and end up taking out another loan to cover the previous one. This can lead to a cycle of debt that is challenging to break.
  • Unscrupulous lenders: some payday lenders may take advantage of borrowers who are in desperate need of cash. These lenders may charge exorbitant interest rates and fees and use aggressive debt collection tactics.

Interesting facts about payday loans in Toeterville, Iowa

  • In 2019, there were approximately 822 payday lenders operating in Iowa, with 232 of them located in Des Moines.
  • The average payday loan amount in Iowa is $300.
  • The average interest rate for payday loans in Iowa is 268%.

Conclusion

Payday loans can be a valuable resource for those facing unexpected expenses or emergencies. However, borrowers must exercise caution when taking out these loans to avoid falling into a cycle of debt. In Toeterville, Iowa, payday loans are legal and regulated by the state. If you are considering applying for a payday loan, ensure that you understand the terms and conditions and can afford to repay the loan on time.

Apply Now

Take advantage of our payday loan connecting service to connect with potential lenders. TheGuaranteedLoans is a connector service and not a direct lender. We are committed to linking borrowers with reliable lenders who can offer competitive interest rates and flexible repayment options. Apply now to see if you qualify for a payday loan.

F.A.Q.

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

Yes, there are alternatives to payday loans in Toeterville, Iowa, such as borrowing from friends or family, taking out a personal loan, or working with a credit counseling agency to develop a budget and payment plan.

Is it possible to get a payday loan with no employment in Toeterville, Iowa?

It may be possible to get a payday loan with no employment in Toeterville, Iowa if you have another source of income, such as government benefits or alimony payments. However, most lenders will require proof of income to qualify for a loan.