Payday Loans in Tracy, Iowa

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

Company nameAddressZip codePhone number
Bank of the West 211 E Boston Ave, Indianola, IA 50125 +1 (515) 961 - 7411
Newton Pawn & Gun Shop 321 1st Ave W, Newton, IA 50208 +1 (641) 792 - 3275
Erpelding, Voigt & Co., LLP 1801 US-71, Okoboji, IA 51355 +1 (712) 332 - 2443
Easy Cash Solutions 920 La Porte Rd, Waterloo, IA 50702 +1 (319) 287 - 9053
United Bank of Iowa 320 Front St, Pierson, IA 51048 +1 (712) 375 - 5329
Walmart Money Center 2014 Kittyhawk Ave, Carroll, IA 51401 +1 (712) 792 - 2280
Peoples Bank 401 Main St, Guthrie Center, IA 50115 +1 (641) 747 - 3100
Community 1st Credit Union 500 Main St, Pella, IA 50219 +1 (641) 628 - 2022
Gunderson Kathy L 29507 Harding Rd, Postville, IA 52162 +1 (563) 864 - 7016
Great Western Bank 2100 Commerce Dr, Red Oak, IA 51566 +1 (712) 623 - 9809

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Tracy, 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

Tracy, IA payday loan calculator

What You Need to Know About Payday Loans in Tracy, Iowa

Payday loans are a useful financial tool for those who need access to money quickly. If you’re looking for a payday loan in Tracy, Iowa, you’ll be happy to know that payday loans are legal in the state of Iowa. Read on to discover everything you need to know about payday loans in Tracy, Iowa.

How Do Payday Loans Work?

Payday loans are short-term loans that are designed to be repaid quickly, usually within two weeks. When you apply for a payday loan, you’ll be asked to provide some basic information about yourself, including your name, address, and employment status. You’ll also be asked to provide proof of income, such as a pay stub or bank statement.

Once you’re approved for a payday loan, the funds will be deposited directly into your bank account. When it’s time to repay the loan, the lender will withdraw the money directly from your account.

What Are the Requirements for a Payday Loan?

The requirements for a payday loan vary depending on the lender. However, in general, you’ll need to be at least 18 years old and have a steady source of income. You’ll also need to have an active checking account.

How Much Money Can You Get?

The amount of money you can borrow with a payday loan varies depending on the lender and your income. Generally, payday loan amounts range from $100 to $1,000.

What Are the Fees and Interest Rates?

Payday loans are known for their high interest rates and fees. In Iowa, payday lenders can charge up to $15 in fees for every $100 borrowed. This means that if you borrow $500, you’ll have to pay $75 in fees. The interest rate on a payday loan is also high, typically around 400%.

What Are the Risks of Payday Loans?

Payday loans can be risky because of their high interest rates and fees. If you’re unable to repay the loan on time, the lender may charge additional fees and interest, making it even more difficult to repay the loan. In some cases, borrowers may find themselves trapped in a cycle of debt, taking out multiple payday loans to keep up with the fees and interest.

Interesting Facts and Statistics About Payday Loans in Tracy, Iowa

  • Iowa is one of the few states that allows payday loans.
  • In 2019, the average payday loan in Iowa was $323.
  • The average interest rate on a payday loan in Iowa is 286%.
  • There are more than 200 payday lenders in Iowa.

Apply Now

Are you in need of a payday loan in Tracy, Iowa? TheGuaranteedLoans can help. We are a connector service that can help connect you with potential lenders. Fill out our online application today and get the money you need quickly and easily.

Please keep in mind that TheGuaranteedLoans is not a direct lender. We do not make credit decisions, and we are not responsible for any actions taken by lenders. We will simply connect you with potential lenders and provide you with the information you need to make an informed decision.

Conclusion

Payday loans can be a useful financial tool when used responsibly. If you’re considering a payday loan in Tracy, Iowa, make sure you understand the fees and interest rates involved. TheGuaranteedLoans can help connect you with potential lenders and provide you with the information you need to make an informed decision. Apply now and get the money you need quickly and easily.

F.A.Q.

Can I get a payday loan if I have a bankruptcy in Tracy, Iowa?

It may be possible to get a payday loan if you have a bankruptcy in Tracy, Iowa, as payday lenders do not typically conduct a traditional credit check. However, you will still need to provide proof of income and a checking account in good standing to qualify for a loan.

Can I get a payday loan if I am a military member in Tracy, Iowa?

Yes, you can get a payday loan if you are a military member in Tracy, Iowa. However, military members are protected by the Military Lending Act, which limits the fees and interest rates that lenders can charge on loans to military members and their families.