Payday Loans in Woodward, Iowa

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

Company nameAddressZip codePhone number
Fidelity Bank & Trust 105 E Main St, Luxemburg, IA 52056 +1 (563) 853 - 2245
Pilot Grove Savings Bank 100 E Lincoln Ave, Fairfield, IA 52556 +1 (641) 472 - 6944
Community 1st Credit Union 300 S Jefferson Way, Indianola, IA 50125 +1 (515) 961 - 9194
Hometown Cash Advance 4212 Douglas Ave #D, Des Moines, IA 50310 +1 (515) 255 - 0400
DuTrac Community Credit Union 18072 IA-64, Maquoketa, IA 52060 +1 (563) 652 - 4400
Advance America 1821 22nd St #104, West Des Moines, IA 50266 +1 (515) 440 - 3016
U.S. Bank Branch 112 W 2nd St S, Newton, IA 50208 +1 (641) 792 - 3444
Peoples Bank Lacona 113 E Main St, Lacona, IA 50139 +1 (641) 534 - 3111
Dupaco Community Credit Union 3131 Williams Blvd SW, Cedar Rapids, IA 52404 +1 (319) 366 - 8231
United Bank of Iowa 210 Front Ave, Pocahontas, IA 50574 +1 (712) 335 - 4277

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Woodward, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Bettendorf, IA, Payday Loans in Cedar Falls, IA, Payday Loan Without a Credit Check in Cedar Rapids, IA, Payday Loans in Council Bluffs, IA, Payday Loan for Davenport, IA, Payday Loans in Des Moines, IA, Payday Loans in Dubuque, IA and Payday Loans in Iowa City, 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 Woodward, IA.

Beautiful sights of Woodward, IA

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

50276

Are Payday Loans Legal In Woodward, 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

Woodward, IA payday loan calculator

Payday Loans in Woodward, Iowa: What You Need to Know

Payday loans can be a helpful resource for those who need fast cash. Whether it’s covering unexpected expenses or making ends meet until the next paycheck, payday loans can provide financial relief. In Woodward, Iowa, payday loans are legal. If you’re considering applying for a payday loan in Woodward, here’s what you need to know.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are designed to help borrowers cover unexpected expenses or bridge the gap between paychecks. Payday loans are usually for small amounts, ranging from a few hundred dollars to a few thousand dollars.

To apply for a payday loan, a borrower typically needs to provide proof of income and a valid form of identification. The lender will then determine the amount of the loan and the repayment terms.

Payday Loans in Woodward, Iowa

In Iowa, payday loans are legal and regulated by state law. This means that lenders are required to follow certain rules and regulations to protect consumers. For example, payday loan interest rates in Iowa are capped at 15% for the first $100 borrowed and 10% for each additional $100. In addition, lenders are required to provide borrowers with a written loan agreement that clearly outlines the terms of the loan.

Woodward, Iowa has several payday loan lenders that operate in the area. It’s important to do your research and compare lenders to find the best option for your financial needs.

Benefits of Payday Loans

Payday loans can provide a number of benefits to borrowers, including:

  • Fast access to cash: Payday loans can be approved and funded quickly, often within 24 hours.
  • No credit check: Payday loan lenders typically don’t require a credit check, making them a good option for those with bad credit or no credit history.
  • Flexible repayment terms: Payday loan repayment terms are typically short, ranging from a few days to a few weeks. This can be helpful for those who need to repay the loan quickly.

Risks of Payday Loans

While payday loans can be helpful for those who need fast cash, they also come with some risks. Some of the risks of payday loans include:

  • High interest rates: Payday loans can have high interest rates, making them expensive to repay if not paid back on time.
  • Cycle of debt: If a borrower is unable to repay the loan on time, they may be tempted to roll over the loan or take out another loan to cover the repayment. This can lead to a cycle of debt that can be difficult to break.
  • Scams: Some payday loan lenders are scams that prey on vulnerable borrowers. It’s important to do your research and choose a reputable lender.

Interesting Facts and Statistics about Payday Loans in Woodward, Iowa

  • Iowa is one of 32 states that allow payday lending.
  • The average payday loan amount in Iowa is $341.
  • Iowa payday loan borrowers take out an average of eight loans per year.

Apply Now

If you’re considering a payday loan in Woodward, Iowa, TheGuaranteedLoans can help. We are a connector service that can help you find a lender that meets your needs. Our online application process is fast and easy. Simply fill out our application form, and we’ll connect you with potential lenders. Remember, we are not a direct lender, and we do not make lending decisions. Our goal is to connect borrowers with potential lenders to help them find the best loan option.

Don’t let unexpected expenses derail your finances. Apply for a payday loan in Woodward, Iowa today.

F.A.Q.

Can I get a payday loan if I am self-employed in Woodward, Iowa?

Yes, you can get a payday loan if you are self-employed in Woodward, Iowa. You will need to provide proof of income, such as bank statements or tax returns, to qualify for a loan.

Are there any protections for borrowers who take out payday loans in Woodward, Iowa?

Yes, there are protections for borrowers who take out payday loans in Woodward, Iowa. The state government regulates the fees and interest rates that lenders can charge, and requires lenders to provide written disclosure of the terms and conditions of the loan.