Payday Loans in Whiting, Iowa

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

Company nameAddressZip codePhone number
Payday Mc Anly Loans 307 E Washington St, Clarinda, IA 51632 +1 (712) 542 - 2595
United Bank of Iowa 10 N Grove St, Kiron, IA 51448 +1 (712) 675 - 4512
Northwest Bank 705 Grand Ave, Spencer, IA 51301 +1 (712) 262 - 2202
First Security 3598 Orchid Ave, Manly, IA 50456 +1 (641) 454 - 2255
Alan Francis Raskie - Ameriprise Financial Services, LLC 319 E 2nd St 200b, Muscatine, IA 52761 +1 (563) 262 - 4040
Walmart Money Center 4151 4th St SW, Mason City, IA 50401
Midstates Bank 812 Durant St, Harlan, IA 51537 +1 (712) 755 - 2126
Dupaco Community Credit Union at Hy-Vee 400 S Locust St, Dubuque, IA 52003 +1 (800) 373 - 7600
United States Postal Service 403 Packwaukee St, New Hartford, IA 50660 +1 (800) 275 - 8777
Peoples Bank 338 W Walnut St, Ogden, IA 50212 +1 (515) 275 - 2758

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Whiting, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Sioux City, IA, 24-Hour Loan in Urbandale, IA, Payday Loans in Waterloo, IA, Payday Loan Without a Credit Check in West Des Moines, IA, Payday Loans in Ames, IA, No Credit Check Loans in Ankeny, IA, Payday Loans in Bettendorf, IA and 24-Hour Loan in Cedar Falls, 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 Whiting, IA.

Beautiful sights of Whiting, IA

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

51063

Are Payday Loans Legal In Whiting, 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

Whiting, IA payday loan calculator

Payday Loans in Whiting, Iowa

Payday loans are a popular way for people to get fast cash in emergencies or when unexpected expenses arise. In Whiting, Iowa, payday loans are legal and regulated by state law. If you’re considering taking out a payday loan in Whiting, it’s important to understand how they work and what the regulations are.

What are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday. They are designed to give you quick cash when you need it, but they come with high interest rates and fees. In Iowa, payday lenders are allowed to charge up to 15% of the amount borrowed. For example, if you borrow $100, you could be charged up to $15 in interest and fees.

How to Apply for a Payday Loan in Whiting, Iowa

To apply for a payday loan in Whiting, Iowa, you must be at least 18 years old, have a valid ID, and provide proof of income and a checking account. You can apply for a payday loan online or in person at a storefront location. Be sure to read the terms and conditions carefully before accepting a loan offer.

Regulations on Payday Loans in Whiting, Iowa

In Iowa, payday lenders must be licensed and follow state regulations. The maximum loan amount is $500, and you can only have one loan at a time. Lenders are not allowed to rollover or extend loans, which means you can’t take out a new loan to pay off an existing one. This is designed to prevent borrowers from getting trapped in a cycle of debt.

Benefits of Payday Loans

Payday loans can be a lifeline for people who need cash in an emergency or who have unexpected expenses. They are easy to apply for and can be approved quickly, which means you can get the cash you need right away. They are also a good option for people who don’t have good credit or who can’t get approved for a traditional loan.

Drawbacks of Payday Loans

Payday loans come with high interest rates and fees, which means they can be expensive to repay. If you don’t repay the loan on time, you could be charged additional fees and interest, which can make it difficult to get back on track financially. They can also be a cycle of debt if you take out a loan to pay off another loan.

Are Payday Loans Right for You?

Payday loans can be a good option if you need cash quickly and don’t have other options, but they should be used with caution. If you can’t repay the loan on time, you could be charged additional fees and interest, which can make it difficult to get back on track financially. Before taking out a payday loan, consider all of your options and make sure you can repay it on time.

Interesting Facts and Statistics About Payday Loans in Whiting, Iowa

  • There are over 200 payday lenders in Iowa
  • The average payday loan in Iowa is $341
  • 82% of payday loans in Iowa are rolled over or renewed
  • The average APR for a payday loan in Iowa is 339%

Apply Now for a Payday Loan in Whiting, Iowa

If you need cash quickly, TheGuaranteedLoans can help you connect with potential lenders in Whiting, Iowa. We are a connecting service, not a direct lender, and we work with a network of trusted lenders to help you find the best loan option for your needs. Fill out our online application today and get connected with a lender.

F.A.Q.

How much can I borrow with a payday loan in Whiting, Iowa?

The maximum amount that you can borrow with a payday loan in Whiting, Iowa is $500.

What are the interest rates and fees associated with payday loans in Whiting, Iowa?

Payday loans in Whiting, Iowa have a maximum annual percentage rate (APR) of 36%. There may also be additional fees, such as origination fees and late payment fees.