Payday Loans in Vincent, Iowa

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

Company nameAddressZip codePhone number
First Central State Bank 1291 Eagle Ridge Rd, Le Claire, IA 52753 +1 (563) 289 - 2265
Siouxland Federal Credit Union 4709 Southern Hills Dr, Sioux City, IA 51106 +1 (712) 224 - 1015
Citizens Savings Bank 102 E Main St, Le Grand, IA 50142 +1 (641) 479 - 2112
Iowa State Savings Bank 200 N Main St, Lenox, IA 50851 +1 (641) 333 - 2255
Community 1st Credit Union 1934 Court Ave, Chariton, IA 50049 +1 (641) 774 - 5616
BTC Bank 2090 E Main St, Lamoni, IA 50140 +1 (641) 784 - 7300
State Bank Of Toledo 100 E High St, Toledo, IA 52342 +1 (641) 484 - 2980
The Lending Company, LLC 1716 Hill Ave, Spirit Lake, IA 51360 +1 (712) 336 - 2235
D K Arndt PC 116 E I St, Forest City, IA 50436 +1 (641) 585 - 4631
MidWestOne Bank 926 Ave G, Fort Madison, IA 52627 +1 (319) 372 - 3991

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Vincent, 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, Quick Loan in Des Moines, IA, Payday Loan for Dubuque, IA, Short-term Loans in Iowa City, IA, Bad Credit Loans in Marion, IA, Payday Loans in Sioux City, IA and Quick Loan 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 Vincent, IA.

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

50594

Are Payday Loans Legal In Vincent, 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

Vincent, IA payday loan calculator

What are Payday Loans in Vincent, Iowa?

Payday loans are short-term loans that typically range from $100 to $500, with repayment terms due on the borrower’s next payday. They are designed to help consumers who are facing unexpected expenses and need quick cash to cover them. In Vincent, Iowa, payday loans are legal and regulated by state law, so borrowers can be assured that they are protected from predatory lending practices.

How do Payday Loans Work?

The process of obtaining a payday loan in Vincent, Iowa is relatively simple. Borrowers must be at least 18 years old, have a steady source of income, and a valid checking account. They may need to provide additional documentation, such as proof of income, to the lender. Once approved, the borrower will receive the funds in their checking account and will typically have two weeks to repay the loan, plus any interest and fees.

Pros and Cons of Payday Loans

  • Pros: Payday loans can provide quick cash when needed and may be more accessible than traditional loans for borrowers with bad credit. They may also be cheaper than overdraft fees or late payment fees on bills.
  • Cons: Payday loans often come with high-interest rates and fees, which can make them expensive to repay. Borrowers may also fall into a debt trap if they cannot repay the loan on time and continue to borrow to cover the debt, leading to a cycle of debt.

Interesting Facts About Payday Loans in Vincent, Iowa

  • In 2020, the average payday loan amount in Iowa was $341.
  • Iowa caps the interest rate on payday loans at 15% for the first $100 borrowed and 10% for amounts above $100.

Apply Now for a Payday Loan in Vincent, Iowa

TheGuaranteedLoans is a connector service, not a direct lender, and we work with a network of lenders to help connect borrowers with the funds they need. If you’re in need of a payday loan in Vincent, Iowa, fill out our online application and we’ll match you with potential lenders who may be able to meet your needs. Apply now and get the funds you need to cover unexpected expenses.

F.A.Q.

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

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