Payday Loans in Howells, Nebraska

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No payday loan companies in Howells, NE. Consider companies in other cities:

Company nameAddressZip codePhone number
Justin Kenney - State Farm Insurance Agent 1701 N Lincoln Ave 1, York, NE 68467 +1 (402) 362 - 3302
Jeffrey Jacobsen - Raymond James 9850 Nicholas St 350, Omaha, NE 68114 +1 (402) 398 - 9300
Pinnacle Bank 143 E 13th St, Crete, NE 68333 +1 (402) 826 - 2121
North Central Bancorp Inc 100 N 13th St, Norfolk, NE 68701 +1 (402) 371 - 8005
Farmers Bank of Peru 622 5th St, Peru, NE 68421 +1 (402) 872 - 3335
Wells Fargo Home Mortgage 111 S 3rd St, Norfolk, NE 68701 +1 (402) 644 - 2118
Union Bank & Trust 507 D St, David City, NE 68632 +1 (402) 367 - 3016
Lee Sapp Ford 1602 Silver St 1798, Ashland, NE 68003 +1 (402) 944 - 3367
Elkhorn Valley Bank & Trust 411 E 7th St, Wayne, NE 68787 +1 (402) 375 - 2525
ATM Great Western Bk 1028 Toledo St, Sidney, NE 69162 +1 (800) 627 - 3999

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Howells, NE, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Bellevue, NE, 24-Hour Loan in Grand Island, NE, Payday Loan Companies in Kearney, NE, Short-term Loans in Lincoln, NE and Payday Loans in Omaha, NE. 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 Howells, NE.

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Payday Loans Available in Howells, NE By The Following ZIP Codes:

68641

Are Payday Loans Legal In Howells, Nebraska?

Loan Rates and Fees, Laws and Regulations in Nebraska.

Nebraska Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)460
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan Term34 days
Number of Rollovers Allowed0
Finance ChargesNot more than $15 per $100

Howells, NE payday loan calculator

Advise to read before applying

Payday Loans in Howells, Nebraska: Everything you need to know

Payday loans have become a popular financing option for individuals who require fast cash and have limited access to conventional financing resources. With the rise of online lending companies, getting a payday loan is possible with minimal effort and within a short period of time. If you’re living in Howells, Nebraska, and finding it difficult to make ends meet, this guide is for you.

Understanding Payday Loans

Payday loans are short-term loans that generally have a high-interest rate. These loans are meant to be paid back on your next payday, hence the name ‘payday loan.’ The amount that can be borrowed can vary between lenders, but in Nebraska, the maximum loanable amount is $500 for a term of 34 days with charges of up to $15 per $100 loaned.

One of the significant benefits of payday loans is their accessibility and convenience. Depending on the lender, you can apply for and receive the loan without having to go through extensive credit checks or lengthy application processes. If you have bad credit or no credit, you can still be approved for a payday loan.

Howells, Nebraska Payday Loan Laws

It is essential to keep in mind that payday loans are subject to state regulations. In Nebraska, payday lending is legal, but you should be aware of the following regulations:

  • The maximum loanable amount is $500
  • The maximum loan term is 34 days
  • Lenders cannot charge more than $15 per $100 borrowed
  • The maximum finance rate and fees cannot exceed 36% per annum
  • A borrower cannot take out more than two loans at a time or roll over a loan more than four times

The Application Process

Applying for a payday loan in Howells, Nebraska is a simple process, and you can complete it online or in-person at a physical location. Here are the typical steps you need to follow:

  1. First, you need to provide your basic personal information. This information may include your name, address, phone number, and other identifying details.
  2. You may be required to provide proof of employment or a steady source of income. This is to ensure that you can repay the loan within the agreed-upon terms.
  3. The lender may also require your bank account details to send the funds or withdraw the loan amount on your next payday.
  4. Once your application is approved, you can receive the funds either in cash, as a check, or via direct deposit into your bank account.

The Pros and Cons of Payday Loans

While payday loans provide quick and easy access to cash, there are advantages and disadvantages to consider before applying for one.

Pros:

  • Fast access to cash, often on the same day of applying
  • No extensive credit checks required
  • Convenient application processes, with online applications available 24/7
  • No collateral required

Cons:

  • High-interest rates and fees
  • Short repayment terms, often within a few weeks
  • Risk of getting caught in a cycle of debt
  • May negatively affect your credit score

Interesting Facts About Payday Loans in Howells, Nebraska

  • The average payday loan amount in Nebraska is $372
  • Nebraska’s payday loan default rate is 2.6%
  • The average annual percentage rate on a payday loan in Nebraska is 405%
  • In Nebraska, payday lenders are required to provide written contracts with loan terms, fees, and due dates
  • The number of payday loan establishments in Nebraska has decreased from 440 in 2008 to 167 in 2019

Apply Now

Are you looking for a payday loan in Howells, Nebraska? TheGuaranteedLoans can help connect you with potential lenders to obtain the financing you need. Fill out our online application to start the process. Please note that TheGuaranteedLoans is a connecting service and not a direct lender. Our role is to connect you with potential lenders who can meet your financial needs.

Conclusion

Payday loans can be a useful tool to help you address financial emergencies. However, it is essential to be aware of the potential risks and costs involved. Before taking out a payday loan, it is crucial to read the loan terms carefully, understand the repayment terms, and ensure that you can afford to repay the loan within the agreed-upon period.

If you are considering a payday loan in Howells, Nebraska, keep in mind the state regulations. You should also compare lenders’ rates and fees to find the most competitive option. Remember that payday loans should not be a long-term solution for financial issues but a temporary fix to help you get back on track in the short term.

F.A.Q.

How much can I borrow with a payday loan in Howells, Nebraska?

in Howells, Nebraska, payday lenders are allowed to lend up to $500 per loan. However, the total amount that a borrower can have outstanding at any given time is limited to $500.

What are the interest rates and fees for payday loans in Howells, Nebraska?

in Howells, Nebraska, payday lenders are required to follow state regulations regarding interest rates and fees. The maximum interest rate that can be charged on a payday loan is 36% APR. Additionally, payday lenders are allowed to charge fees of up to $15 per $100 borrowed.

Look for Short-Term Loans in Other Cities:

Bellevue Grand Island Kearney Lincoln Omaha
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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