Payday Loans in Wyoming, Iowa

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

Company nameAddressZip codePhone number
G T Murphy Abstract Company 23 1/2 E Main St, New Hampton, IA 50659 +1 (641) 394 - 4291
Hometown Cash Advance 2007 S Center St Ste B, Marshalltown, IA 50158 +1 (641) 844 - 1100
Marion County Bank 800 Main St, Pella, IA 50219 +1 (641) 628 - 2191
Ascentra Credit Union 949 Mississippi View Ct, Le Claire, IA 52753 +1 (563) 355 - 0152
Bank Iowa - Altoona 420 8th St SE, Altoona, IA 50009 +1 (515) 967 - 7283
Washington Title & Guaranty Co 103 N Marion Ave, Washington, IA 52353 +1 (319) 863 - 9200
U.S. Bank Branch 174 N Willard St, Ottumwa, IA 52501 +1 (641) 683 - 3896
Rescare 1302 Evelyn St, Perry, IA 50220 +1 (515) 465 - 3997
MoneyGram 2830 Mt Pleasant St, Burlington, IA 52601 +1 (319) 752 - 7080
LPI Loans 2155 7th Ave, Marion, IA 52302 +1 (319) 393 - 0700

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wyoming, 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, Payday Loans in Urbandale, IA, Payday Loans in Waterloo, IA, Quick Loan in West Des Moines, IA, No Credit Check Loans in Ames, IA, Payday Loans in Ankeny, IA, 24-Hour Loan in Bettendorf, IA and No Credit Check Loans 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 Wyoming, IA.

Beautiful sights of Wyoming, IA

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

52362

Are Payday Loans Legal In Wyoming, 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

Wyoming, IA payday loan calculator

Understanding Payday Loans in Iowa

Payday loans are short-term, unsecured loans normally offered in small amounts, usually with high interest rates, and are often repaid by the borrower’s next payday. Borrowers often use payday loans to cover their urgent expenses before their next paycheck arrives.

In the state of Iowa, payday loans are legal and available to eligible borrowers. Wyoming, a city located in Jones County, Iowa, is no exception. In this article, we will explore all you need to know about payday loans in Wyoming, Iowa, including their regulations and how to apply for one.

Payday Loan Regulation in Iowa

Iowa has specific rules that govern payday loans to protect both lenders and borrowers. Here are some key regulations for payday loans in Iowa:

  • The maximum loan amount a borrower can receive is $500.
  • The loan term must be at least 31 days and not more than 42 days.
  • The maximum finance charge allowable is 15% for the first $100 of the loan amount, followed by 10% for each remaining $100 borrowed, up to a maximum of $30 in finance charges.
  • The Annual Percentage Rate (APR) for a two-week $100 loan with a $15 fee would be 400%.
  • There is no rollover or renewal allowed in Iowa.

It is essential to note that a borrower should not have a debt of $500, including the loan amount and interest charges from other payday lenders. You cannot have more than two outstanding loans at any time, either from the same lender or different ones, in Iowa.

Applying for a Payday Loan in Wyoming, Iowa

Before applying for a payday loan in Wyoming, Iowa, you must ensure that you meet all the eligibility criteria. To qualify for a payday loan, you must:

  • Be at least 18 years old
  • Have a regular income source
  • Be a legal resident of Iowa
  • Have a valid email address, phone number, and checking account

If you meet these requirements, you can conveniently apply for a payday loan in Wyoming, Iowa, through TheGuaranteedLoans. As a connector service, TheGuaranteedLoans will connect you to reliable lenders in Wyoming, Iowa, who will provide you with the necessary finances. All you need to do is fill out an online application form, and your request will be processed promptly.

Repaying your Payday Loan

Repaying your loan on time is crucial to avoid any additional fees or penalties that can increase your debt burden. You can pay back your loan through:

  • Post-dated check, which will be deposited on your due date
  • Authorized automatic withdrawal from your bank account on the due date
  • Payment in cash at any loan store location.

It is essential to ensure that you have enough funds to repay your loan before the due date to prevent any negative consequences to your credit score or financial status.

Beware of Scammers

While payday loans can provide you with the necessary finances you need, you should be vigilant and aware of possible scammers. Some loan companies can take advantage of unsuspecting borrowers, tricking them into signing unfair loan agreements.

Always do your research to ensure that the lender you are dealing with is legitimate and licensed to operate in Iowa. You can verify a lender’s license by checking with The Iowa Division of Banking.

Interesting Facts about Payday Loans in Wyoming, Iowa

  • On average, a borrower in Wyoming takes out six payday loans each year.
  • According to a survey, 60% of payday loan borrowers in Iowa had a household income of less than $30,000 per year.
  • The average interest rate for payday loans in Iowa is 273%.
  • Average loan in Wyoming is $248.

Apply Now

If you need quick access to money in Wyoming, Iowa, TheGuaranteedLoans can help you find the right lender. Please fill out our online application form now and receive an instant loan decision today!

Please note that TheGuaranteedLoans is a loan connector service and not a direct lender. We work with reliable and licensed lenders in Wyoming, Iowa, and other states, to connect eligible borrowers with the best lenders who can provide suitable loan options for their unique financial needs.

F.A.Q.

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

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

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

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