Payday Loans in Woolstock, Iowa

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

Company nameAddressZip codePhone number
West Iowa Bank 202 W Main St, Laurens, IA 50554 +1 (712) 841 - 2588
Chariton Abstract Co 917 Braden Ave, Chariton, IA 50049 +1 (641) 774 - 2677
Midstates Bank 705 1st St, Sergeant Bluff, IA 51054 +1 (712) 943 - 3500
David A Farmer Inc 1613 Franklin St 9442, Center Point, IA 52213 +1 (319) 849 - 2432
United Bank of Iowa 21945 IA-175, Onawa, IA 51040 +1 (712) 423 - 2232
Community Savings Bank 101 E Union St, Edgewood, IA 52042 +1 (563) 928 - 6425
Fast Cash 137 Colorado St, Muscatine, IA 52761 +1 (563) 288 - 9554
County Bank 500 N Highland St, Williamsburg, IA 52361 +1 (319) 668 - 2888
Midstates Bank 1 E 2nd St, Kingsley, IA 51028 +1 (712) 378 - 2341
Bank Iowa - Clarinda Drive-up 101 W Washington St, Clarinda, IA 51632 +1 (712) 542 - 2121

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Woolstock, IA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Marion, IA, Payday Loans in Sioux City, IA, Short-term Loans in Urbandale, IA, 24-Hour Loan in Waterloo, IA, Short-term Loans in West Des Moines, IA, Payday Loans in Ames, IA, Payday Loans in Ankeny, IA and Payday Loans in Bettendorf, 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 Woolstock, IA.

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

50599

Are Payday Loans Legal In Woolstock, 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

Woolstock, IA payday loan calculator

Understanding Payday Loans in Woolstock, Iowa

Payday loans are a popular type of short-term loan in Woolstock, Iowa, offering a way for individuals to access quick cash to deal with unexpected expenses or emergencies. Many people in Iowa turn to these loans as they can be easier to qualify for than traditional bank loans — especially for those with less-than-perfect credit.

How do Payday Loans work?

Payday loans allow borrowers to access smaller amounts of money — often around a few hundred dollars — and repay them, with interest, on their next payday. The repayment period can be as short as 14 days, up to a maximum of 31 days in Iowa, making it an option for those who need a fast cash solution to tide them over until their next paycheck arrives.

The process of obtaining a payday loan in Woolstock, Iowa is relatively straightforward. Borrowers provide their personal and financial information, including bank account details, and lenders will typically run a credit check before reviewing their application. Assuming the applicant meets the basic requirements, the funds can be available within one business day.

What are the eligibility requirements?

In Woolstock, Iowa, the eligibility requirements for payday loans include being at least 18 years old, having a steady income, and having an active checking or savings account. Borrowers must also be prepared to provide proof of income and/or employment, as well as a government-issued ID.

What are the interest rates and fees?

The interest rates on payday loans in Woolstock, Iowa are regulated by state law and are set at a maximum of $15 per $100 borrowed. That means that if someone were to borrow $300, they would need to pay back $345. This translates to an annual percentage rate (APR) of around 460%, which is higher than some other forms of borrowing.

In addition to interest rates, borrowers should also be aware of any fees associated with payday loans in Woolstock, Iowa. These may include origination fees, application fees, or late payment fees if they fail to repay the loan on time.

Is it safe to take out a payday loan?

While payday loans can be a useful tool in certain situations, it’s important to be aware of the potential risks involved. Borrowers should only take out payday loans if they can repay the loan on time in full to avoid high interest rates and additional fees.

In addition, some critics of payday loans argue that lenders may take advantage of borrowers who do not fully understand the terms of their loan or who are in a vulnerable financial position. For this reason, potential borrowers should thoroughly research their options and review the loan terms before signing on the dotted line.

Interesting Facts and Statistics about Payday Loans in Woolstock, Iowa

  • According to the Iowa Division of Banking, the average payday loan borrower in Iowa takes out a loan for $341 and pays $447 in interest and fees over the course of a year.
  • Iowa is one of 38 states in the US that allows payday lending.
  • In 2019, the Iowa Attorney General’s Office received 173 complaints from individuals related to payday lending practices.
  • As of 2021, there are over 220 payday lending locations in Iowa, including in Woolstock.

Apply Now

If you are experiencing a financial emergency and need access to quick cash in Woolstock, Iowa, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is simple and secure, and we work with a network of lenders to help you find a loan that fits your specific needs.

It’s important to remember that we are not a direct lender, but rather a connector service that can help facilitate your connection with potential lenders. We encourage all potential borrowers to carefully review the terms and conditions of any loan before accepting it and to only borrow what they can afford to repay.

Ready to apply for a payday loan in Woolstock, Iowa? Visit our website to learn more and submit your application today.

F.A.Q.

Can I get a payday loan if I have a bankruptcy in Woolstock, Iowa?

It may be possible to get a payday loan if you have a bankruptcy in Woolstock, Iowa, as payday lenders do not typically conduct a traditional credit check. However, you will still need to provide proof of income and a checking account in good standing to qualify for a loan.

Can I get a payday loan if I am a military member in Woolstock, Iowa?

Yes, you can get a payday loan if you are a military member in Woolstock, Iowa. However, military members are protected by the Military Lending Act, which limits the fees and interest rates that lenders can charge on loans to military members and their families.