Payday Loans in Woodburn, Iowa

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

Company nameAddressZip codePhone number
Commercial Service of Perry 408 12th St, Perry, IA 50220 +1 (515) 465 - 5817
F & M Bank 220 W Main St, Anamosa, IA 52205 +1 (319) 462 - 6878
Great Western Bank 205 E Erie St, Missouri Valley, IA 51555 +1 (712) 642 - 4151
WCF Financial Bank 401 Fair Meadow Dr, Webster City, IA 50595 +1 (515) 832 - 3071
Shane Cooney - Raymond James 103 E State St, Mason City, IA 50401 +1 (641) 423 - 0801
Thrivent Financial 519 Michigan St, Storm Lake, IA 50588 +1 (712) 732 - 4395
Clayton County Development Group 200 E Bridge St, Elkader, IA 52043 +1 (563) 245 - 2201
Fidelity Bank & Trust 208 2nd St SE, Dyersville, IA 52040 +1 (563) 875 - 7157
United Bank of Iowa 21945 IA-175, Onawa, IA 51040 +1 (712) 423 - 2232
Check `n Go 3418 8th St SW STE 4, Altoona, IA 50009 +1 (515) 967 - 2503

Payday Loan Companies in Nearby Cities

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

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

50275

Are Payday Loans Legal In Woodburn, 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

Woodburn, IA payday loan calculator

Understanding Payday Loans in Woodburn, Iowa

Living paycheck to paycheck can be challenging. When unexpected expenses arise, many people don’t have the savings to cover them. That’s where payday loans come in. Iowa is one of the many states where payday loans are legal, including Woodburn, Iowa. Here, we’ll provide you with a comprehensive guide to payday loans in Woodburn and everything you need to know before applying.

What is a Payday Loan?

A payday loan is a short-term, small-dollar loan that’s designed to help people get through a financial emergency. These loans are meant to be repaid on the borrower’s next payday. Typically, payday loans are for amounts of $500 or less, and the repayment period is two weeks or less. Payday loans are unsecured loans, meaning that you won’t need to provide collateral to obtain one.

How to Apply for a Payday Loan in Woodburn, Iowa

Applying for a payday loan in Woodburn, Iowa is a straightforward process. The first step is to find a lender that operates in your area. TheGuaranteedLoans can help connect you with potential lenders. Once you’ve found a lender, you’ll need to provide some personal and financial information, including your name, address, and employment information. You’ll also need to provide your bank account information, as this is how the lender will deposit your loan funds and receive the repayment.

Repaying Your Payday Loan

When you take out a payday loan, you’ll agree to repay the loan in full on your next payday. The lender will withdraw the loan amount and interest fees from your bank account automatically. It’s essential to make sure you have sufficient funds in your account on the repayment date to avoid additional fees and potential damage to your credit score.

Benefits and Risks of Payday Loans

Payday loans can be a lifesaver when you need emergency funds, but they can also come with some risks. One of the primary benefits of payday loans is their accessibility. You can typically obtain a payday loan with a lower credit score than you would need for a traditional bank loan. Additionally, payday loans typically have a quick turnaround time, so you can get the funds you need when you need them.

However, payday loans come with high interest rates, which can make them more expensive than traditional loans. If you’re unable to repay the loan on time, you may also be hit with additional fees and further damage your credit score. Additionally, some payday lenders have been known to use aggressive collection tactics, so it’s vital to ensure you understand the terms of the loan and can repay it before agreeing to it.

Interesting Facts and Statistics about Payday Loans in Woodburn, Iowa

  • Iowa is home to over 230 payday lending stores.
  • Individuals in Iowa can borrow up to $500 with a max finance charge of $15 per $100 borrowed.
  • Iowa is one of 37 states where payday lending is legal, with 13 states banning or limiting the practice.
  • Default rates are high among payday loan borrowers, with one study finding a default rate of 22% in Iowa.

Apply Now for a Payday Loan with TheGuaranteedLoans

Applying for a payday loan with TheGuaranteedLoans is a simple process. We pride ourselves on connecting our customers with reputable lenders, ensuring transparency and fairness throughout the loan process. Fill out an application today and see if you’re eligible for a payday loan in Woodburn, Iowa.

Note that TheGuaranteedLoans is not a direct lender. We provide lender-connection services to our customers, connecting them with financial partners that suit their unique needs. We encourage all of our customers to read their loan agreements carefully and ensure that they understand the terms before agreeing to them.

Conclusion

Though payday loans can be a helpful resource in a financial emergency, be sure to understand the risks and benefits before applying for one. When choosing a lender, be sure to do your research and only work with reputable companies. And if you need help, turn to TheGuaranteedLoans for trustworthy lender connections and expert loan advice.

F.A.Q.

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

Yes, there are alternatives to payday loans in Woodburn, Iowa, such as borrowing from friends or family, taking out a personal loan, or working with a credit counseling agency to develop a budget and payment plan.

Is it possible to get a payday loan with no employment in Woodburn, Iowa?

It may be possible to get a payday loan with no employment in Woodburn, Iowa if you have another source of income, such as government benefits or alimony payments. However, most lenders will require proof of income to qualify for a loan.