Payday Loans in Walcott, Iowa

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

Company nameAddressZip codePhone number
Farmers State Bank 517 S Federal Ave 3803, Mason City, IA 50401 +1 (641) 424 - 1949
United Bank of Iowa 1609 Hawkeye Dr, Boone, IA 50036 +1 (515) 432 - 2028
Bluffs Check Cashing Pawn 501 Veterans Memorial Hwy, Council Bluffs, IA 51501 +1 (712) 366 - 3811
Iowa State Bank 308 Main St, Ireton, IA 51027 +1 (712) 278 - 2321
U.S. Bank Branch 123 W Main St, Marshalltown, IA 50158 +1 (641) 752 - 4591
Dan's Pawn And Gun 602 Main St, Keokuk, IA 52632 +1 (319) 524 - 3897
First State Bank 505 E 2nd St, Webster City, IA 50595 +1 (515) 832 - 2520
Libertyville Savings Bank 106 W Maple Ave, Libertyville, IA 52567 +1 (641) 472 - 9839
Guthrie County Abstract Co 110 N 4th St, Guthrie Center, IA 50115 +1 (641) 332 - 2339
U.S. Bank Branch 204 E Washington St, Iowa City, IA 52240 +1 (319) 356 - 9000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Walcott, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Ames, IA, Emergency Loan in Ankeny, IA, Short-term Loans in Bettendorf, IA, Payday Loans in Cedar Falls, IA, Emergency Loan in Cedar Rapids, IA, Payday 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 Walcott, IA.

Beautiful sights of Walcott, IA

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

52773

Are Payday Loans Legal In Walcott, 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

Walcott, IA payday loan calculator

Payday Loans in Walcott, Iowa

If you’re in Walcott, Iowa and you find yourself in need of urgent cash for an emergency expense, a payday loan might be the solution you need.

Payday loans are short-term, high-interest loans. They’re designed to be repaid by the borrower’s next payday, usually within two weeks to a month.

Since payday loans carry significant risks due to their high interest rates and short repayment terms, it’s essential that you understand how they work, their advantages, and risks before taking one out.

In this article, we’ll discuss everything you need to know about payday loans in Walcott, Iowa.

The Legality of Payday Loans in Iowa

First, it’s essential to note that payday loans are legal in Iowa. Iowa Code Ann. §§ 533D.1 et seq regulates the payday loan industry in Iowa.

Under Iowa, it’s legal to borrow up to $500 and extend up to six keeping periods. Lenders in Iowa must check the database to determine if the borrower is eligible to apply.

Advantages of Payday Loans

The primary advantage of payday loans is their availability. When you have an urgent financial need, and you don’t have access to other financing solutions, payday loans provide fast cash.

Most payday lenders don’t require a credit check, which means anyone can qualify for a loan regardless of their credit score. Payday lenders are more interested in your ability to repay the loan than your creditworthiness.

Risks of Payday Loans

While payday loans can be a useful tool for managing short-term financial emergencies, they come with significant risks.

The most significant risk of payday loans is their high-interest rates. In Walcott, Iowa, payday lenders can charge up to 15% on the first $100 borrowed and 10% on the entire loan amount after that.

Another risk associated with payday loans is that borrowers often end up in a debt spiral. Due to the short repayment terms and high-interest rates, borrowers may find themselves unable to repay the loan in full, forcing them to take out another loan to cover the existing one.

Interesting Facts and Statistics about Payday Loans in Walcott, Iowa

  • Payday loan stores are located throughout Walcott, Iowa, offering borrowers convenient access to quick cash.
  • In 2019, the average payday loan amount in Iowa was $332.56
  • About 182,00 Iowans took out payday loans in 2019, with the average gross income of payday borrowers being around $30,000 per year

Apply Now

If you’re experiencing a financial emergency and need fast cash, a payday loan might be the solution you need. TheGuaranteedLoans website offers a reliable service that connects borrowers with potential lenders.

To apply, go to our website and provide us with some basic personal and financial information. We’ll match you with potential lenders who will contact you with the loan terms and conditions.

To sum up, payday loans can be a quick and convenient way to obtain cash in an emergency. However, they come with inherent risks, so ensure that you understand the terms and conditions of the loan before accepting it. At TheGauranteedLoans, we make it easy for you to apply for a payday loan, no matter your credit score.

F.A.Q.

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

Yes, there are restrictions on the types of fees that a payday loan lender in Walcott, 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 Walcott, Iowa report a borrower's delinquent loan to a credit bureau?

Yes, a payday loan lender in Walcott, 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.