Title Loans in Springville, Iowa

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No title loan companies in Springville, IA. Consider companies in other cities:

Company nameAddressZip codePhone number
Hometown Cash Advance 606 S Federal Ave Suite 1, Mason City, IA 50401 +1 (641) 424 - 2222
Regions Bank 25 N Frederick Ave, Oelwein, IA 50662 +1 (319) 238 - 6600
Hometown Cash Advance 605 W Locust St Ste 2, Dubuque, IA 52001 +1 (563) 556 - 5999
Advance America 5132 SE 14th St, Des Moines, IA 50320 +1 (515) 285 - 8474
Wells Fargo Bank 2703 S Center St, Marshalltown, IA 50158 +1 (641) 753 - 5555
Farmers State Bank 1310 6th St, Jesup, IA 50648 +1 (319) 287 - 3961
U.S. Bank Branch 2395 IA-32, Dubuque, IA 52002 +1 (563) 584 - 9064
Great Western Bank 1609 Madison St, Bedford, IA 50833 +1 (712) 523 - 3611
Hometown Cash Advance 405 E Main St 2, Anamosa, IA 52205 +1 (319) 462 - 6118
CENT WestSide 3124 4th St SW, Mason City, IA 50401 +1 (641) 424 - 2368

Title Loan Companies in Nearby Cities

If there are no title loan companies in Springville, IA, you can try to find different companies in big cities nearby. Check out the following pages here: Title Loans in Davenport, IA, Car Title Loans in Des Moines, IA, Car Title Loans in Dubuque, IA, Title Loans in Iowa City, IA, Title Loans in Marion, IA, Title Loans in Sioux City, IA, Car Title Loans in Urbandale, IA and Title Loans in Waterloo, 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 Springville, IA.

Title Loans in Springville, Iowa: What You Need to Know

When unexpected expenses arise, title loans can be a convenient way to get fast cash. In Springville, Iowa, title loans are legal and popular. However, before you consider applying for a title loan, it’s important to understand how they work and the potential risks involved.

What Are Title Loans?

A title loan is a type of secured loan where the borrower uses their car as collateral. The borrower hands over the title to their vehicle, and in exchange, they receive a loan based on the value of the car. Once the loan is repaid, the borrower gets their car title back.

Unlike other types of loans, such as payday loans or personal loans, title loans typically have lower interest rates since they are secured. However, they also put the borrower’s car at risk if they cannot repay the loan on time.

How Do Title Loans Work in Springville, Iowa?

In Iowa, title loans are legal and regulated by the Iowa Division of Banking. To apply for a title loan in Springville, you must be at least 18 years old, have a valid government-issued ID, and own the vehicle outright with no liens or loans against it.

The amount you can borrow with a title loan in Springville varies based on the value of your car. Most lenders will allow you to borrow up to 50% of your car’s value. The repayment term for title loans is typically 30 days, and if you cannot repay the loan on time, the lender may offer to roll it over, which means extending the loan term but also increasing the interest rate and fees.

What Are the Risks of Title Loans in Springville?

As with any type of loan, there are risks associated with title loans. The most significant risk is losing your car if you cannot repay the loan on time. Additionally, title loans have high interest rates and fees, which can make them difficult to pay back, especially if you have a low income or struggle with debt.

In Iowa, there is no limit on the interest rates title loan lenders can charge, which means you could end up paying hundreds or even thousands of dollars in interest and fees on top of the loan amount.

Interesting Facts and Statistics About Title Loans in Springville, Iowa

  • In 2017, the average title loan in Iowa was $1,042, with an average APR of 268%.
  • The Center for Responsible Lending found that 20% of title loan borrowers in Iowa have their cars repossessed.
  • In 2019, the Iowa Legislature passed a bill that requires title loan lenders to offer a repayment plan option to borrowers who default on their loans.

Apply Now with TheGuaranteedLoans

If you are considering a title loan in Springville, Iowa, it’s important to shop around and compare offers from different lenders. TheGuaranteedLoans can help connect you with potential lenders and simplify the process of applying for a title loan.

Our online application is quick and easy, and we work with a network of trusted lenders who offer competitive rates and flexible repayment terms. Keep in mind that TheGuaranteedLoans is a connector service, not a direct lender, and we will always be transparent about the terms and conditions of any loan offers you receive.

Apply now and get connected with a lender who can help you get the cash you need.

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Title Loans Available in Springville, IA By The Following ZIP Codes:

52336

Springville, IA title loan calculator

Frequently Asked Questions About Car Title Loans in Springville, Iowa

Can I refinance a title loan in Springville, Iowa?

Yes, you can refinance a title loan in Springville, Iowa if you are unable to make your regular payments or if you want to change the terms of your loan. To refinance your title loan, you will need to apply for a new loan with a different lender.

Can I lose my car if I default on a title loan in Springville, Iowa?

Yes, if you default on a title loan in Springville, Iowa, you could lose your car. The lender has the right to repossess your vehicle if you do not make your regular payments, and you will be responsible for any costs associated with the repossession.

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Look for Title Loans in Other Cities:

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