Payday Loans in Waucoma, Iowa

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

Company nameAddressZip codePhone number
Advance Funding Resources Inc 2918 Hillmer Dr SW, Cedar Rapids, IA 52404 +1 (319) 396 - 9403
Savings Bank 185 S Green Ave, Primghar, IA 51245 +1 (712) 957 - 6815
Great Western Bank 1609 Madison St, Bedford, IA 50833 +1 (712) 523 - 3611
Chelsea Savings Bank 601 13th St, Belle Plaine, IA 52208 +1 (319) 444 - 3144
United Bank of Iowa 400 Morningside Dr, Sac City, IA 50583 +1 (712) 662 - 4114
Commercial Financial Corporation 600 Lake Ave N, Storm Lake, IA 50588 +1 (712) 732 - 2190
Lee Co Credit Union 123 Boulevard Rd 5, Keokuk, IA 52632 +1 (319) 524 - 4346
Check Into Cash 3500 Dodge St Suite 203, Dubuque, IA 52003 +1 (563) 557 - 9040
Great Western Bank 610 W McLane St, Osceola, IA 50213 +1 (641) 342 - 4140
Vibrant Credit Union - Davenport Branch 5354 Elmore Cir, Davenport, IA 52807 +1 (309) 796 - 7500

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Waucoma, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Council Bluffs, IA, Emergency Loan in Davenport, IA, Bad Credit Loans in Des Moines, IA, Payday Loans in Dubuque, IA, Payday Loans in Iowa City, IA, Same Day 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 Waucoma, IA.

Beautiful sights of Waucoma, IA

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

52171

Are Payday Loans Legal In Waucoma, 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

Waucoma, IA payday loan calculator

Everything You Need to Know About Payday Loans in Waucoma, Iowa

Payday loans are a popular financial solution for individuals who are in need of quick cash. These short-term loans are typically offered by payday lenders and are designed to help borrowers meet their immediate financial needs until their next payday.

Is the Payday Loan Legal in Iowa?

Yes, payday loans are legal in Iowa. According to Iowa Code Chapter 533D, payday lenders are permitted to operate in the state, but they are required to follow certain rules and regulations to protect borrowers.

How to Qualify for a Payday Loan in Waucoma, Iowa?

Qualifying for a payday loan in Waucoma, Iowa is relatively simple. Essentially, you’ll need to meet the following requirements:

  • Be at least 18 years of age
  • Be a U.S. citizen or legal resident
  • Have a regular source of income (e.g., a job)
  • Have a checking account

Keep in mind that specific requirements may vary depending on the lender, so be sure to check with them to determine their specific qualifications.

What are the Limits for Payday Loans in Waucoma, Iowa?

In Iowa, the maximum amount that can be borrowed in a payday loan is $500. Additionally, lenders are required to limit the amount of time a borrower has to repay the loan to no more than 31 days.

What are the Fees and Interests for Payday Loans in Waucoma, Iowa?

The fees and interest rates for payday loans in Waucoma, Iowa are regulated by state law. Under Iowa law, the maximum finance charge that a lender can charge is $15 for the first $100 borrowed and $10 for each additional $100 borrowed. This means that if you borrow $500, the maximum fee that the lender can charge is $55.

What Happens if You Can’t Repay the Loan?

If you can’t repay your payday loan on time, you may be subject to additional fees and interest charges. Additionally, if you default on your loan, the lender may take legal action against you, which could result in wage garnishment or other consequences.

Interesting Facts and Statistics about Payday Loans in Waucoma, Iowa

  • According to data from the Iowa Division of Banking, there were 256,338 payday loans made in Iowa in 2020.
  • The average payday loan amount in Iowa in 2020 was $295.
  • The average annual percentage rate (APR) for a payday loan in Iowa in 2020 was 286%.

Apply Now for a Payday Loan in Waucoma, Iowa

If you’re in need of quick cash, a payday loan may be the solution you’re looking for. TheGuaranteedLoans can help you connect with potential lenders in Waucoma, Iowa. Keep in mind that we are a connector service, not a direct lender, so we will not be lending you any money directly.

To begin the application process, simply fill out our online form with your basic information. We’ll then match you with potential lenders who may be able to offer you the loan you need. It’s that simple and easy to get started.

Remember, borrowing money is a serious financial decision. Be sure to read all of the loan terms and conditions carefully before committing to a loan, and only borrow what you can afford to repay.

F.A.Q.

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

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